Call reports 2010
MERCHANTS COMMERCIAL BANK — 2010
What MERCHANTS COMMERCIAL BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 85,113,000 | 86,540,000 | 81,212,000 | 83,562,000 |
| Total loans | 72,083,000 | 74,075,000 | 70,867,000 | 72,785,000 |
| Allowance for loan losses | 1,387,000 | 1,449,000 | 1,041,000 | 1,512,000 |
| Securities available for sale | 4,122,000 | 3,906,000 | 3,607,000 | 3,332,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 72,180,000 | 70,501,000 | 66,121,000 | 67,845,000 |
| Interest-bearing deposits | 60,933,000 | 53,878,000 | 52,342,000 | 54,220,000 |
| Noninterest-bearing deposits | 11,248,000 | 16,623,000 | 13,779,000 | 13,626,000 |
| Equity capital | 12,722,000 | 12,246,000 | 12,312,000 | 11,883,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,019,000 | 2,049,000 | 3,037,000 | 3,987,000 |
| Interest expense | 221,000 | 445,000 | 672,000 | 903,000 |
| Net interest income | 798,000 | 1,604,000 | 2,365,000 | 3,084,000 |
| Noninterest income | 89,000 | 197,000 | 315,000 | 447,000 |
| Noninterest expense | 682,000 | 1,391,000 | 2,124,000 | 2,916,000 |
| Provision for loan losses | 83,000 | 146,000 | 196,000 | 672,000 |
| Pretax income | 122,000 | 264,000 | 360,000 | -57,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 122,000 | 264,000 | 360,000 | -57,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,519,000 | 12,109,000 | 12,205,000 | 11,788,000 |
| Total capital | 13,239,000 | 12,844,000 | 12,896,000 | 12,515,000 |
| Risk-weighted assets | 57,130,000 | 58,270,000 | 55,262,000 | 57,444,000 |
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