Call reports 2008
MERCHANTS AND FARMERS BANK — 2008
What MERCHANTS AND FARMERS BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 74,087,000 | 71,317,000 | 74,139,000 | 74,443,000 |
| Total loans | 37,644,000 | 41,697,000 | 45,865,000 | 36,410,000 |
| Allowance for loan losses | 1,301,000 | 1,393,000 | 779,000 | 505,000 |
| Securities available for sale | 14,632,000 | 13,766,000 | 12,556,000 | 14,618,000 |
| Securities held to maturity | 75,000 | 75,000 | 75,000 | 75,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 65,825,000 | 63,830,000 | 61,622,000 | 66,658,000 |
| Interest-bearing deposits | 52,749,000 | 51,771,000 | 49,913,000 | 53,422,000 |
| Noninterest-bearing deposits | 13,076,000 | 12,059,000 | 11,709,000 | 13,236,000 |
| Equity capital | 6,769,000 | 6,559,000 | 6,657,000 | 6,901,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,074,000 | 2,051,000 | 3,084,000 | 4,047,000 |
| Interest expense | 355,000 | 620,000 | 889,000 | 1,144,000 |
| Net interest income | 719,000 | 1,431,000 | 2,195,000 | 2,903,000 |
| Noninterest income | 207,000 | 447,000 | 666,000 | 916,000 |
| Noninterest expense | 725,000 | 1,560,000 | 2,447,000 | 3,269,000 |
| Provision for loan losses | 0 | 110,000 | 110,000 | 110,000 |
| Pretax income | 201,000 | 285,000 | 351,000 | 572,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 201,000 | 285,000 | 351,000 | 572,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,520,000 | 6,605,000 | 6,671,000 | 6,845,000 |
| Total capital | 7,127,000 | 7,247,000 | 7,356,000 | 7,350,000 |
| Risk-weighted assets | 47,883,000 | 50,573,000 | 54,744,000 | 46,941,000 |
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