Call reports 2016
MERCHANTS AND MANUFACTURERS BANK — 2016
What MERCHANTS AND MANUFACTURERS BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 224,547,000 | 231,449,000 | 227,681,000 | 234,875,000 |
| Total loans | 202,460,000 | 206,043,000 | 207,612,000 | 209,666,000 |
| Allowance for loan losses | 2,484,000 | 2,572,000 | 2,581,000 | 2,618,000 |
| Securities available for sale | 7,016,000 | 6,928,000 | 6,517,000 | 7,056,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 189,217,000 | 185,004,000 | 176,079,000 | 181,193,000 |
| Interest-bearing deposits | 153,536,000 | 150,355,000 | 139,583,000 | 141,921,000 |
| Noninterest-bearing deposits | 35,681,000 | 34,649,000 | 36,496,000 | 39,272,000 |
| Equity capital | 18,381,000 | 18,553,000 | 18,740,000 | 18,822,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 2,441,000 | 4,876,000 | 7,326,000 | 9,784,000 |
| Interest expense | 160,000 | 324,000 | 496,000 | 677,000 |
| Net interest income | 2,281,000 | 4,552,000 | 6,830,000 | 9,107,000 |
| Noninterest income | 324,000 | 570,000 | 828,000 | 1,048,000 |
| Noninterest expense | 1,910,000 | 3,821,000 | 5,784,000 | 7,713,000 |
| Provision for loan losses | 32,000 | 82,000 | 93,000 | 124,000 |
| Pretax income | 663,000 | 1,219,000 | 1,781,000 | 2,318,000 |
| Income tax | 257,000 | 470,000 | 658,000 | 861,000 |
| Net income | 406,000 | 749,000 | 1,123,000 | 1,457,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,230,000 | 18,377,000 | 18,592,000 | 18,776,000 |
| Total capital | 21,963,000 | 22,184,000 | 22,423,000 | 22,641,000 |
| Risk-weighted assets | 201,525,000 | 204,553,000 | 207,115,000 | 209,169,000 |