Call reports 2004
MERCHANTS & MARINE BANK — 2004
What MERCHANTS & MARINE BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 315,910,000 | 309,062,000 | 322,130,000 | 311,437,000 |
| Total loans | 154,491,000 | 158,226,000 | 161,137,000 | 163,971,000 |
| Allowance for loan losses | 2,175,000 | 2,400,000 | 2,430,000 | 2,430,000 |
| Securities available for sale | 34,357,000 | 49,849,000 | 40,932,000 | 38,752,000 |
| Securities held to maturity | 60,363,000 | 59,726,000 | 60,905,000 | 63,371,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 268,955,000 | 263,470,000 | 264,835,000 | 260,348,000 |
| Interest-bearing deposits | 183,338,000 | 178,842,000 | 176,380,000 | 175,155,000 |
| Noninterest-bearing deposits | 85,617,000 | 84,628,000 | 88,455,000 | 85,193,000 |
| Equity capital | 35,618,000 | 35,690,000 | 36,353,000 | 36,610,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 3,486,000 | 6,994,000 | 10,600,000 | 14,297,000 |
| Interest expense | 635,000 | 1,317,000 | 2,003,000 | 2,694,000 |
| Net interest income | 2,851,000 | 5,677,000 | 8,597,000 | 11,603,000 |
| Noninterest income | 1,466,000 | 2,844,000 | 4,323,000 | 5,765,000 |
| Noninterest expense | 3,317,000 | 6,227,000 | 9,206,000 | 12,232,000 |
| Provision for loan losses | 18,000 | 260,000 | 381,000 | 508,000 |
| Pretax income | 982,000 | 2,034,000 | 3,335,000 | 4,630,000 |
| Income tax | 165,000 | 509,000 | 952,000 | 1,215,000 |
| Net income | 817,000 | 1,525,000 | 2,383,000 | 3,415,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,560,000 | 34,935,000 | 35,528,000 | 35,894,000 |
| Total capital | 36,735,000 | 37,224,000 | 37,838,000 | 38,195,000 |
| Risk-weighted assets | 179,756,000 | 182,163,000 | 184,692,000 | 183,976,000 |
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