Call reports 2012
MERCHANTS COMMERCIAL BANK — 2012
What MERCHANTS COMMERCIAL BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 102,046,000 | 96,947,000 | 100,899,000 | 102,490,000 |
| Total loans | 76,234,000 | 78,155,000 | 77,517,000 | 79,613,000 |
| Allowance for loan losses | 1,546,000 | 1,380,000 | 1,386,000 | 1,379,000 |
| Securities available for sale | 1,370,000 | 1,164,000 | 1,032,000 | 909,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 89,885,000 | 85,262,000 | 88,951,000 | 90,382,000 |
| Interest-bearing deposits | 59,484,000 | 55,681,000 | 63,862,000 | 65,912,000 |
| Noninterest-bearing deposits | 30,402,000 | 29,580,000 | 25,089,000 | 24,470,000 |
| Equity capital | 11,766,000 | 11,298,000 | 11,465,000 | 11,684,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 962,000 | 1,971,000 | 3,033,000 | 4,139,000 |
| Interest expense | 213,000 | 414,000 | 597,000 | 778,000 |
| Net interest income | 749,000 | 1,557,000 | 2,436,000 | 3,361,000 |
| Noninterest income | 178,000 | 356,000 | 511,000 | 673,000 |
| Noninterest expense | 849,000 | 1,761,000 | 2,622,000 | 3,402,000 |
| Provision for loan losses | 30,000 | 560,000 | 564,000 | 643,000 |
| Pretax income | 48,000 | -408,000 | -239,000 | -11,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 48,000 | -408,000 | -239,000 | -11,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,699,000 | 11,242,000 | 11,411,000 | 11,641,000 |
| Total capital | 12,468,000 | 12,037,000 | 12,215,000 | 12,474,000 |
| Risk-weighted assets | 60,441,000 | 63,049,000 | 63,792,000 | 66,051,000 |