Call reports 2022
MERCHANTS COMMERCIAL BANK — 2022
What MERCHANTS COMMERCIAL BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 425,116,000 | 456,071,000 | 445,365,000 | 585,786,000 |
| Total loans | 143,215,000 | 151,614,000 | 156,298,000 | 153,353,000 |
| Allowance for loan losses | 2,634,000 | 2,640,000 | 2,640,000 | 2,231,000 |
| Securities available for sale | 229,723,000 | 290,519,000 | 273,567,000 | 265,611,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 402,245,000 | 424,944,000 | 362,903,000 | 561,460,000 |
| Interest-bearing deposits | 163,702,000 | 170,079,000 | 197,231,000 | 305,525,000 |
| Noninterest-bearing deposits | 238,542,000 | 254,864,000 | 165,672,000 | 255,936,000 |
| Equity capital | 21,977,000 | 8,202,000 | -4,441,000 | 1,081,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 3,250,000 | 7,188,000 | 12,069,000 | 17,954,000 |
| Interest expense | 36,000 | 123,000 | 790,000 | 2,084,000 |
| Net interest income | 3,214,000 | 7,065,000 | 11,279,000 | 15,870,000 |
| Noninterest income | 372,000 | 755,000 | 1,119,000 | 1,487,000 |
| Noninterest expense | 1,526,000 | 3,079,000 | 4,738,000 | 6,728,000 |
| Provision for loan losses | 0 | 0 | 0 | -486,000 |
| Pretax income | 2,060,000 | 4,741,000 | 7,660,000 | 10,631,000 |
| Income tax | -393,000 | -392,000 | -392,000 | -358,000 |
| Net income | 2,453,000 | 5,133,000 | 8,052,000 | 10,989,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,159,000 | 35,886,000 | 37,853,000 | 39,927,000 |
| Total capital | — | 38,437,000 | 40,320,000 | 42,158,000 |
| Risk-weighted assets | — | 203,880,000 | 197,075,000 | 231,043,000 |
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