Call reports 2007
MERCHANTS COMMERCIAL BANK — 2007
What MERCHANTS COMMERCIAL 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 | 22,883,000 | 25,348,000 | 34,942,000 | 42,695,000 |
| Total loans | 11,646,000 | 18,713,000 | 28,143,000 | 35,840,000 |
| Allowance for loan losses | 175,000 | 282,000 | 425,000 | 543,000 |
| Securities available for sale | 5,535,000 | 5,889,000 | 5,882,000 | 6,301,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 11,512,000 | 13,473,000 | 20,515,000 | 30,733,000 |
| Interest-bearing deposits | 9,990,000 | 11,388,000 | 17,826,000 | 26,324,000 |
| Noninterest-bearing deposits | 1,521,000 | 2,085,000 | 2,689,000 | 4,408,000 |
| Equity capital | 11,318,000 | 11,551,000 | 11,604,000 | 11,666,000 |
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 | 383,000 | 861,000 | 1,493,000 | 2,323,000 |
| Interest expense | 102,000 | 225,000 | 412,000 | 703,000 |
| Net interest income | 281,000 | 636,000 | 1,081,000 | 1,620,000 |
| Noninterest income | 2,000 | 9,000 | 16,000 | 26,000 |
| Noninterest expense | 377,000 | 712,000 | 1,080,000 | 1,466,000 |
| Provision for loan losses | 65,000 | 172,000 | 315,000 | 433,000 |
| Pretax income | -159,000 | -239,000 | -298,000 | -253,000 |
| Income tax | -49,000 | -49,000 | -49,000 | -49,000 |
| Net income | -110,000 | -190,000 | -249,000 | -204,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,318,000 | 11,624,000 | 11,619,000 | 11,664,000 |
| Total capital | 11,453,000 | 11,813,000 | 11,919,000 | 12,053,000 |
| Risk-weighted assets | 11,055,000 | 15,068,000 | 23,926,000 | 31,008,000 |
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