Call reports 2008
MERCHANTS AND MANUFACTURERS BANK — 2008
What MERCHANTS AND MANUFACTURERS BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 125,961,000 | 125,354,000 | 127,111,000 | 129,329,000 |
| Total loans | 98,727,000 | 96,174,000 | 97,849,000 | 99,596,000 |
| Allowance for loan losses | 1,148,000 | 1,202,000 | 1,634,000 | 1,205,000 |
| Securities available for sale | 16,864,000 | 15,742,000 | 17,242,000 | 17,554,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 103,485,000 | 106,285,000 | 105,442,000 | 105,500,000 |
| Interest-bearing deposits | 87,490,000 | 92,505,000 | 89,994,000 | 89,259,000 |
| Noninterest-bearing deposits | 15,995,000 | 13,780,000 | 15,448,000 | 16,241,000 |
| Equity capital | 9,682,000 | 9,672,000 | 9,680,000 | 9,885,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,945,000 | 3,804,000 | 5,632,000 | 7,634,000 |
| Interest expense | 719,000 | 1,316,000 | 1,878,000 | 2,389,000 |
| Net interest income | 1,226,000 | 2,488,000 | 3,754,000 | 5,245,000 |
| Noninterest income | 126,000 | 265,000 | 414,000 | 555,000 |
| Noninterest expense | 1,130,000 | 2,232,000 | 3,175,000 | 4,471,000 |
| Provision for loan losses | 28,000 | 82,000 | 517,000 | 824,000 |
| Pretax income | 225,000 | 472,000 | 537,000 | 568,000 |
| Income tax | 73,000 | 168,000 | 181,000 | 192,000 |
| Net income | 152,000 | 304,000 | 356,000 | 376,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,519,000 | 9,670,000 | 9,723,000 | 9,743,000 |
| Total capital | 11,667,000 | 12,372,000 | 12,623,000 | 12,449,000 |
| Risk-weighted assets | 114,269,000 | 111,844,000 | 111,810,000 | 116,362,000 |