Call reports 2002
MERCHANTS AND MANUFACTURERS BANK — 2002
What MERCHANTS AND MANUFACTURERS BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 61,236,000 | 62,878,000 | 62,711,000 | 65,086,000 |
| Total loans | 46,540,000 | 42,881,000 | 42,013,000 | 46,224,000 |
| Allowance for loan losses | 583,000 | 596,000 | 638,000 | 645,000 |
| Securities available for sale | 9,182,000 | 10,023,000 | 11,649,000 | 11,090,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 52,138,000 | 53,358,000 | 53,298,000 | 55,392,000 |
| Interest-bearing deposits | 42,675,000 | 43,997,000 | 44,131,000 | 43,937,000 |
| Noninterest-bearing deposits | 9,463,000 | 9,361,000 | 9,167,000 | 11,455,000 |
| Equity capital | 5,043,000 | 5,169,000 | 5,278,000 | 5,320,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 908,000 | 1,832,000 | 2,720,000 | 3,557,000 |
| Interest expense | 246,000 | 485,000 | 725,000 | 949,000 |
| Net interest income | 662,000 | 1,347,000 | 1,995,000 | 2,608,000 |
| Noninterest income | 55,000 | 114,000 | 180,000 | 244,000 |
| Noninterest expense | 587,000 | 1,184,000 | 1,806,000 | 2,305,000 |
| Provision for loan losses | 49,000 | 99,000 | 99,000 | 99,000 |
| Pretax income | 81,000 | 176,000 | 268,000 | 432,000 |
| Income tax | 20,000 | 54,000 | 88,000 | 147,000 |
| Net income | 61,000 | 122,000 | 180,000 | 285,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,045,000 | 5,106,000 | 5,163,000 | 5,169,000 |
| Total capital | 5,628,000 | 5,702,000 | 5,755,000 | 5,814,000 |
| Risk-weighted assets | 51,156,000 | 48,736,000 | 47,330,000 | 52,155,000 |