Call reports 2014
MERCHANTS COMMERCIAL BANK — 2014
What MERCHANTS COMMERCIAL BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 134,560,000 | 123,637,000 | 116,720,000 | 117,892,000 |
| Total loans | 70,339,000 | 75,773,000 | 75,604,000 | 75,260,000 |
| Allowance for loan losses | 1,293,000 | 1,430,000 | 1,411,000 | 1,370,000 |
| Securities available for sale | 1,036,000 | 6,002,000 | 6,504,000 | 12,429,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 122,136,000 | 111,137,000 | 103,726,000 | 104,627,000 |
| Interest-bearing deposits | 79,816,000 | 71,729,000 | 71,492,000 | 69,543,000 |
| Noninterest-bearing deposits | 42,320,000 | 39,408,000 | 32,234,000 | 35,083,000 |
| Equity capital | 11,873,000 | 11,967,000 | 12,404,000 | 12,624,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 962,000 | 1,987,000 | 3,293,000 | 4,447,000 |
| Interest expense | 166,000 | 319,000 | 464,000 | 595,000 |
| Net interest income | 796,000 | 1,668,000 | 2,829,000 | 3,852,000 |
| Noninterest income | 221,000 | 442,000 | 605,000 | 794,000 |
| Noninterest expense | 883,000 | 1,742,000 | 2,613,000 | 3,573,000 |
| Provision for loan losses | 49,000 | 186,000 | 195,000 | 224,000 |
| Pretax income | 85,000 | 182,000 | 626,000 | 849,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 85,000 | 182,000 | 626,000 | 849,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,842,000 | 11,939,000 | 12,384,000 | 12,606,000 |
| Total capital | 12,640,000 | 12,813,000 | 13,256,000 | 13,497,000 |
| Risk-weighted assets | 63,981,000 | 69,436,000 | 69,280,000 | 70,941,000 |
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