Call reports 2007
MERCHANTS AND MANUFACTURERS BANK — 2007
What MERCHANTS AND MANUFACTURERS BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 119,961,000 | 123,728,000 | 125,980,000 | 128,168,000 |
| Total loans | 88,691,000 | 94,319,000 | 98,614,000 | 100,500,000 |
| Allowance for loan losses | 1,084,000 | 1,094,000 | 1,106,000 | 1,124,000 |
| Securities available for sale | 19,647,000 | 19,465,000 | 18,911,000 | 18,482,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 100,994,000 | 103,656,000 | 102,720,000 | 105,626,000 |
| Interest-bearing deposits | 87,312,000 | 90,674,000 | 89,276,000 | 90,655,000 |
| Noninterest-bearing deposits | 13,682,000 | 12,982,000 | 13,444,000 | 14,971,000 |
| Equity capital | 8,309,000 | 8,734,000 | 9,233,000 | 9,437,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 2,002,000 | 4,067,000 | 6,205,000 | 8,342,000 |
| Interest expense | 918,000 | 1,897,000 | 2,903,000 | 3,814,000 |
| Net interest income | 1,084,000 | 2,170,000 | 3,302,000 | 4,528,000 |
| Noninterest income | 126,000 | 267,000 | 400,000 | 524,000 |
| Noninterest expense | 1,067,000 | 2,114,000 | 3,131,000 | 4,218,000 |
| Provision for loan losses | 21,000 | 33,000 | 53,000 | 73,000 |
| Pretax income | 122,000 | 290,000 | 518,000 | 741,000 |
| Income tax | 32,000 | 96,000 | 180,000 | 258,000 |
| Net income | 90,000 | 194,000 | 338,000 | 483,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,372,000 | 8,877,000 | 9,221,000 | 9,366,000 |
| Total capital | 10,456,000 | 10,971,000 | 11,327,000 | 11,490,000 |
| Risk-weighted assets | 101,653,000 | 108,720,000 | 109,455,000 | 113,600,000 |