Call reports 2013
MERCHANTS COMMERCIAL BANK — 2013
What MERCHANTS COMMERCIAL BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 108,911,000 | 108,504,000 | 115,842,000 | 129,297,000 |
| Total loans | 78,173,000 | 74,971,000 | 69,329,000 | 69,661,000 |
| Allowance for loan losses | 1,386,000 | 1,192,000 | 1,210,000 | 1,245,000 |
| Securities available for sale | 772,000 | 682,000 | 642,000 | 1,067,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 96,630,000 | 96,543,000 | 103,711,000 | 117,061,000 |
| Interest-bearing deposits | 63,962,000 | 61,934,000 | 64,552,000 | 79,716,000 |
| Noninterest-bearing deposits | 32,667,000 | 34,609,000 | 39,159,000 | 37,345,000 |
| Equity capital | 11,878,000 | 11,499,000 | 11,596,000 | 11,810,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,064,000 | 2,067,000 | 3,062,000 | 4,017,000 |
| Interest expense | 164,000 | 336,000 | 509,000 | 686,000 |
| Net interest income | 900,000 | 1,731,000 | 2,553,000 | 3,331,000 |
| Noninterest income | 196,000 | 154,000 | 328,000 | 729,000 |
| Noninterest expense | 889,000 | 1,784,000 | 2,665,000 | 3,589,000 |
| Provision for loan losses | 7,000 | 273,000 | 291,000 | 327,000 |
| Pretax income | 200,000 | -172,000 | -75,000 | 144,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 200,000 | -172,000 | -75,000 | 144,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,840,000 | 11,469,000 | 11,564,000 | 11,784,000 |
| Total capital | 12,653,000 | 12,272,000 | 12,350,000 | 12,568,000 |
| Risk-weighted assets | 64,514,000 | 63,844,000 | 63,008,000 | 62,728,000 |
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