Call reports 2003
MERCHANTS & MARINE BANK — 2003
What MERCHANTS & MARINE BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 325,484,000 | 309,886,000 | 303,433,000 | 291,248,000 |
| Total loans | 137,797,000 | 140,051,000 | 148,448,000 | 151,286,000 |
| Allowance for loan losses | 2,096,000 | 2,131,000 | 2,131,000 | 2,150,000 |
| Securities available for sale | 45,453,000 | 31,555,000 | 35,384,000 | 32,289,000 |
| Securities held to maturity | 72,992,000 | 69,747,000 | 67,925,000 | 68,631,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 264,656,000 | 254,478,000 | 250,655,000 | 246,202,000 |
| Interest-bearing deposits | 180,946,000 | 176,979,000 | 169,999,000 | 165,506,000 |
| Noninterest-bearing deposits | 83,710,000 | 77,499,000 | 80,656,000 | 80,696,000 |
| Equity capital | 33,300,000 | 34,040,000 | 34,914,000 | 35,003,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 3,746,000 | 7,485,000 | 11,075,000 | 14,668,000 |
| Interest expense | 793,000 | 1,562,000 | 2,255,000 | 2,911,000 |
| Net interest income | 2,953,000 | 5,923,000 | 8,820,000 | 11,757,000 |
| Noninterest income | 1,140,000 | 2,359,000 | 4,271,000 | 5,413,000 |
| Noninterest expense | 2,711,000 | 5,467,000 | 8,292,000 | 10,943,000 |
| Provision for loan losses | 354,000 | 381,000 | 575,000 | 896,000 |
| Pretax income | 1,028,000 | 2,434,000 | 4,224,000 | 5,333,000 |
| Income tax | 353,000 | 770,000 | 1,347,000 | 1,705,000 |
| Net income | 675,000 | 1,664,000 | 2,877,000 | 3,628,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,235,000 | 32,900,000 | 33,857,000 | 34,009,000 |
| Total capital | 34,331,000 | 35,031,000 | 35,988,000 | 36,159,000 |
| Risk-weighted assets | 183,635,000 | 180,309,000 | 184,004,000 | 181,900,000 |
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