Call reports 2009
MERCHANTS COMMERCIAL BANK — 2009
What MERCHANTS COMMERCIAL BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 64,769,000 | 69,275,000 | 75,992,000 | 84,153,000 |
| Total loans | 56,802,000 | 61,809,000 | 66,536,000 | 71,690,000 |
| Allowance for loan losses | 860,000 | 935,000 | 1,005,000 | 1,303,000 |
| Securities available for sale | 5,264,000 | 4,836,000 | 4,661,000 | 4,407,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 50,279,000 | 55,648,000 | 60,619,000 | 66,133,000 |
| Interest-bearing deposits | 45,897,000 | 51,718,000 | 54,226,000 | 58,638,000 |
| Noninterest-bearing deposits | 4,383,000 | 3,930,000 | 6,393,000 | 7,495,000 |
| Equity capital | 12,306,000 | 12,451,000 | 12,669,000 | 12,586,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 957,000 | 1,932,000 | 2,978,000 | 3,955,000 |
| Interest expense | 233,000 | 445,000 | 661,000 | 888,000 |
| Net interest income | 724,000 | 1,487,000 | 2,317,000 | 3,067,000 |
| Noninterest income | 26,000 | 56,000 | 98,000 | 146,000 |
| Noninterest expense | 526,000 | 1,119,000 | 1,757,000 | 2,314,000 |
| Provision for loan losses | 30,000 | 106,000 | 177,000 | 475,000 |
| Pretax income | 194,000 | 318,000 | 481,000 | 424,000 |
| Income tax | 38,000 | 0 | 0 | 0 |
| Net income | 156,000 | 318,000 | 481,000 | 424,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,130,000 | 12,292,000 | 12,455,000 | 12,398,000 |
| Total capital | 12,693,000 | 12,894,000 | 13,109,000 | 13,109,000 |
| Risk-weighted assets | 45,382,000 | 48,447,000 | 51,993,000 | 56,516,000 |
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