Call reports 2011
MERCHANTS COMMERCIAL BANK — 2011
What MERCHANTS COMMERCIAL BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 87,585,000 | 78,569,000 | 78,804,000 | 83,163,000 |
| Total loans | 71,527,000 | 71,432,000 | 72,160,000 | 76,508,000 |
| Allowance for loan losses | 1,595,000 | 1,691,000 | 1,626,000 | 1,830,000 |
| Securities available for sale | 3,099,000 | 2,718,000 | 2,240,000 | 1,765,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 75,256,000 | 66,216,000 | 66,594,000 | 71,093,000 |
| Interest-bearing deposits | 53,454,000 | 48,956,000 | 49,180,000 | 56,480,000 |
| Noninterest-bearing deposits | 21,803,000 | 17,260,000 | 17,414,000 | 14,614,000 |
| Equity capital | 11,893,000 | 11,857,000 | 11,808,000 | 11,719,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 990,000 | 1,959,000 | 2,941,000 | 3,929,000 |
| Interest expense | 221,000 | 463,000 | 729,000 | 922,000 |
| Net interest income | 769,000 | 1,496,000 | 2,212,000 | 3,007,000 |
| Noninterest income | 172,000 | 335,000 | 471,000 | 612,000 |
| Noninterest expense | 839,000 | 1,666,000 | 2,458,000 | 3,265,000 |
| Provision for loan losses | 87,000 | 185,000 | 283,000 | 490,000 |
| Pretax income | 15,000 | -20,000 | -58,000 | -136,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 15,000 | -20,000 | -58,000 | -136,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,803,000 | 11,768,000 | 11,731,000 | 11,651,000 |
| Total capital | 12,523,000 | 12,481,000 | 12,448,000 | 12,176,000 |
| Risk-weighted assets | 56,698,000 | 56,103,000 | 56,502,000 | 59,397,000 |
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