Call reports 2003
MERCHANTS AND MANUFACTURERS BANK — 2003
What MERCHANTS AND MANUFACTURERS 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 | 71,647,000 | 86,523,000 | 81,828,000 | 82,645,000 |
| Total loans | 51,810,000 | 57,721,000 | 60,517,000 | 64,154,000 |
| Allowance for loan losses | 661,000 | 690,000 | 695,000 | 715,000 |
| Securities available for sale | 8,743,000 | 14,080,000 | 11,969,000 | 11,778,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 63,047,000 | 76,384,000 | 70,790,000 | 72,051,000 |
| Interest-bearing deposits | 47,780,000 | 63,577,000 | 58,601,000 | 60,883,000 |
| Noninterest-bearing deposits | 15,267,000 | 12,807,000 | 12,189,000 | 11,168,000 |
| Equity capital | 5,312,000 | 6,154,000 | 6,171,000 | 6,157,000 |
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 | 838,000 | 1,775,000 | 2,753,000 | 3,795,000 |
| Interest expense | 201,000 | 481,000 | 715,000 | 946,000 |
| Net interest income | 637,000 | 1,294,000 | 2,038,000 | 2,849,000 |
| Noninterest income | 61,000 | 159,000 | 246,000 | 331,000 |
| Noninterest expense | 636,000 | 1,366,000 | 2,113,000 | 2,921,000 |
| Provision for loan losses | 0 | 22,000 | 22,000 | 37,000 |
| Pretax income | 62,000 | 65,000 | 149,000 | 222,000 |
| Income tax | 24,000 | 22,000 | 48,000 | 70,000 |
| Net income | 38,000 | 43,000 | 101,000 | 152,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,207,000 | 6,112,000 | 6,170,000 | 6,220,000 |
| Total capital | 5,868,000 | 6,802,000 | 7,865,000 | 7,935,000 |
| Risk-weighted assets | 54,822,000 | 63,415,000 | 67,960,000 | 69,983,000 |