Call reports 2006
MERCHANTS AND MANUFACTURERS BANK — 2006
What MERCHANTS AND MANUFACTURERS BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 106,641,000 | 109,415,000 | 114,091,000 | 115,708,000 |
| Total loans | 80,556,000 | 81,908,000 | 85,060,000 | 87,272,000 |
| Allowance for loan losses | 1,018,000 | 1,035,000 | 1,050,000 | 1,065,000 |
| Securities available for sale | 17,297,000 | 18,464,000 | 17,654,000 | 17,473,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 89,245,000 | 92,584,000 | 96,879,000 | 98,594,000 |
| Interest-bearing deposits | 76,423,000 | 80,053,000 | 84,296,000 | 85,112,000 |
| Noninterest-bearing deposits | 12,822,000 | 12,531,000 | 12,583,000 | 13,482,000 |
| Equity capital | 7,405,000 | 7,457,000 | 7,746,000 | 8,171,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,671,000 | 3,443,000 | 5,306,000 | 7,239,000 |
| Interest expense | 644,000 | 1,381,000 | 2,235,000 | 3,156,000 |
| Net interest income | 1,027,000 | 2,062,000 | 3,071,000 | 4,083,000 |
| Noninterest income | 99,000 | 205,000 | 317,000 | 427,000 |
| Noninterest expense | 903,000 | 1,845,000 | 2,773,000 | 3,606,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 10,000 |
| Pretax income | 116,000 | 300,000 | 482,000 | 810,000 |
| Income tax | 39,000 | 105,000 | 165,000 | 267,000 |
| Net income | 77,000 | 195,000 | 317,000 | 543,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,616,000 | 7,734,000 | 7,857,000 | 8,283,000 |
| Total capital | 9,634,000 | 9,769,000 | 9,907,000 | 10,348,000 |
| Risk-weighted assets | 91,017,000 | 91,810,000 | 95,717,000 | 98,386,000 |