Call reports 2004
MERCHANTS AND MANUFACTURERS BANK — 2004
What MERCHANTS AND MANUFACTURERS 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 | 84,682,000 | 90,193,000 | 93,524,000 | 102,430,000 |
| Total loans | 66,817,000 | 68,481,000 | 72,662,000 | 75,647,000 |
| Allowance for loan losses | 751,000 | 773,000 | 794,000 | 776,000 |
| Securities available for sale | 11,803,000 | 12,861,000 | 13,706,000 | 14,798,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 73,124,000 | 79,389,000 | 80,442,000 | 89,165,000 |
| Interest-bearing deposits | 61,988,000 | 66,443,000 | 67,649,000 | 73,347,000 |
| Noninterest-bearing deposits | 11,136,000 | 12,946,000 | 12,793,000 | 15,818,000 |
| Equity capital | 6,334,000 | 6,253,000 | 6,639,000 | 6,986,000 |
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 | 1,041,000 | 2,116,000 | 3,282,000 | 4,592,000 |
| Interest expense | 227,000 | 490,000 | 763,000 | 1,117,000 |
| Net interest income | 814,000 | 1,626,000 | 2,519,000 | 3,475,000 |
| Noninterest income | 83,000 | 181,000 | 282,000 | 379,000 |
| Noninterest expense | 752,000 | 1,538,000 | 2,353,000 | 3,223,000 |
| Provision for loan losses | 33,000 | 45,000 | 60,000 | 100,000 |
| Pretax income | 112,000 | 224,000 | 387,000 | 531,000 |
| Income tax | 34,000 | 70,000 | 123,000 | 170,000 |
| Net income | 78,000 | 154,000 | 264,000 | 361,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,299,000 | 6,375,000 | 6,684,000 | 7,032,000 |
| Total capital | 8,050,000 | 8,148,000 | 8,478,000 | 8,808,000 |
| Risk-weighted assets | 72,627,000 | 76,114,000 | 80,310,000 | 83,802,000 |