Call reports 2004
MERCHANTS & PLANTERS BANK — 2004
What MERCHANTS & PLANTERS BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 149,736,000 | 146,509,000 | 143,220,000 | 147,929,000 |
| Total loans | 75,864,000 | 79,743,000 | 82,301,000 | 78,043,000 |
| Allowance for loan losses | 1,503,000 | 1,175,000 | 1,285,000 | 1,235,000 |
| Securities available for sale | 53,453,000 | 44,870,000 | 42,473,000 | 48,490,000 |
| Securities held to maturity | 879,000 | 824,000 | 772,000 | 727,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 133,144,000 | 130,935,000 | 126,234,000 | 129,949,000 |
| Interest-bearing deposits | 106,237,000 | 105,756,000 | 104,037,000 | 101,052,000 |
| Noninterest-bearing deposits | 26,908,000 | 25,179,000 | 22,197,000 | 28,897,000 |
| Equity capital | 12,286,000 | 11,490,000 | 12,394,000 | 12,262,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 2,059,000 | 4,083,000 | 6,143,000 | 8,158,000 |
| Interest expense | 458,000 | 903,000 | 1,360,000 | 1,832,000 |
| Net interest income | 1,601,000 | 3,180,000 | 4,783,000 | 6,326,000 |
| Noninterest income | 410,000 | 828,000 | 1,198,000 | 1,579,000 |
| Noninterest expense | 1,171,000 | 2,484,000 | 3,663,000 | 4,854,000 |
| Provision for loan losses | 300,000 | 600,000 | 900,000 | 1,100,000 |
| Pretax income | 540,000 | 924,000 | 1,418,000 | 1,951,000 |
| Income tax | 146,000 | 337,000 | 543,000 | 672,000 |
| Net income | 394,000 | 587,000 | 875,000 | 1,279,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,466,000 | 12,308,000 | 12,597,000 | 12,501,000 |
| Total capital | 13,603,000 | 13,483,000 | 13,800,000 | 13,680,000 |
| Risk-weighted assets | 90,562,000 | 94,965,000 | 96,154,000 | 94,242,000 |
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