Call reports 2005
MERCHANTS AND MANUFACTURERS BANK — 2005
What MERCHANTS AND MANUFACTURERS BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 99,106,000 | 104,140,000 | 107,013,000 | 105,318,000 |
| Total loans | 77,542,000 | 76,600,000 | 72,836,000 | 78,200,000 |
| Allowance for loan losses | 844,000 | 919,000 | 922,000 | 1,001,000 |
| Securities available for sale | 14,557,000 | 15,005,000 | 17,049,000 | 18,833,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 84,752,000 | 90,047,000 | 93,254,000 | 89,921,000 |
| Interest-bearing deposits | 71,960,000 | 77,452,000 | 80,894,000 | 76,819,000 |
| Noninterest-bearing deposits | 12,792,000 | 12,595,000 | 12,360,000 | 13,102,000 |
| Equity capital | 6,991,000 | 7,200,000 | 7,250,000 | 7,363,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,424,000 | 2,899,000 | 4,428,000 | 6,051,000 |
| Interest expense | 382,000 | 856,000 | 1,402,000 | 1,967,000 |
| Net interest income | 1,042,000 | 2,043,000 | 3,026,000 | 4,084,000 |
| Noninterest income | 86,000 | 184,000 | 286,000 | 383,000 |
| Noninterest expense | 917,000 | 1,770,000 | 2,617,000 | 3,464,000 |
| Provision for loan losses | 65,000 | 134,000 | 164,000 | 239,000 |
| Pretax income | 142,000 | 319,000 | 527,000 | 760,000 |
| Income tax | 48,000 | 106,000 | 175,000 | 252,000 |
| Net income | 94,000 | 213,000 | 352,000 | 508,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,126,000 | 7,244,000 | 7,454,000 | 7,629,000 |
| Total capital | 8,970,000 | 9,163,000 | 9,376,000 | 9,630,000 |
| Risk-weighted assets | 85,664,000 | 86,974,000 | 83,426,000 | 87,411,000 |