Call reports 2005
MERCHANTS & PLANTERS BANK — 2005
What MERCHANTS & PLANTERS BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 147,177,000 | 146,125,000 | 147,283,000 | 143,775,000 |
| Total loans | 74,007,000 | 78,323,000 | 78,207,000 | 74,001,000 |
| Allowance for loan losses | 1,173,000 | 1,145,000 | 1,046,000 | 1,026,000 |
| Securities available for sale | 50,196,000 | 48,479,000 | 44,836,000 | 48,071,000 |
| Securities held to maturity | 557,000 | 522,000 | 489,000 | 387,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 130,745,000 | 124,714,000 | 124,231,000 | 125,902,000 |
| Interest-bearing deposits | 104,848,000 | 101,651,000 | 101,088,000 | 101,853,000 |
| Noninterest-bearing deposits | 25,897,000 | 23,063,000 | 23,143,000 | 24,049,000 |
| Equity capital | 12,217,000 | 12,545,000 | 12,367,000 | 11,915,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,948,000 | 3,896,000 | 5,880,000 | 7,859,000 |
| Interest expense | 504,000 | 1,042,000 | 1,631,000 | 2,235,000 |
| Net interest income | 1,444,000 | 2,854,000 | 4,249,000 | 5,624,000 |
| Noninterest income | 367,000 | 747,000 | 1,222,000 | 1,712,000 |
| Noninterest expense | 1,195,000 | 2,516,000 | 3,823,000 | 5,198,000 |
| Provision for loan losses | 275,000 | 575,000 | 800,000 | 825,000 |
| Pretax income | 341,000 | 510,000 | 848,000 | 1,313,000 |
| Income tax | 101,000 | 147,000 | 188,000 | 449,000 |
| Net income | 240,000 | 363,000 | 660,000 | 864,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,740,000 | 12,739,000 | 12,736,000 | 12,515,000 |
| Total capital | 13,903,000 | 13,884,000 | 13,782,000 | 13,541,000 |
| Risk-weighted assets | 92,994,000 | 95,762,000 | 97,606,000 | 93,127,000 |
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