Call reports 2012
MERCHANTS AND FARMERS BANK — 2012
What MERCHANTS AND FARMERS BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 94,531,000 | 94,331,000 | 96,518,000 | 101,468,000 |
| Total loans | 42,984,000 | 55,857,000 | 49,435,000 | 50,260,000 |
| Allowance for loan losses | 801,000 | 801,000 | 792,000 | 733,000 |
| Securities available for sale | 22,435,000 | 21,176,000 | 20,621,000 | 22,848,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 84,825,000 | 84,430,000 | 86,404,000 | 91,688,000 |
| Interest-bearing deposits | 69,094,000 | 68,550,000 | 67,186,000 | 71,973,000 |
| Noninterest-bearing deposits | 15,731,000 | 15,880,000 | 19,218,000 | 19,715,000 |
| Equity capital | 8,528,000 | 8,723,000 | 8,922,000 | 8,692,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 846,000 | 1,748,000 | 2,752,000 | 3,604,000 |
| Interest expense | 136,000 | 266,000 | 383,000 | 496,000 |
| Net interest income | 710,000 | 1,482,000 | 2,369,000 | 3,108,000 |
| Noninterest income | 260,000 | 502,000 | 728,000 | 987,000 |
| Noninterest expense | 896,000 | 1,749,000 | 2,664,000 | 3,529,000 |
| Provision for loan losses | 0 | 0 | 5,000 | 20,000 |
| Pretax income | 74,000 | 235,000 | 428,000 | 546,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 74,000 | 235,000 | 428,000 | 546,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,230,000 | 8,391,000 | 8,584,000 | 8,402,000 |
| Total capital | 8,928,000 | 9,192,000 | 9,337,000 | 9,135,000 |
| Risk-weighted assets | 55,704,000 | 65,559,000 | 60,213,000 | 60,839,000 |
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