Call reports 2006
MERCHANTS STATE BANK — 2006
What MERCHANTS STATE BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 93,207,000 | 98,005,000 | 97,929,000 | 102,287,000 |
| Total loans | 74,122,000 | 73,607,000 | 76,837,000 | 77,034,000 |
| Allowance for loan losses | 1,077,000 | 974,000 | 1,016,000 | 1,040,000 |
| Securities available for sale | 12,277,000 | 11,744,000 | 12,703,000 | 15,931,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 78,163,000 | 84,319,000 | 83,597,000 | 88,126,000 |
| Interest-bearing deposits | 71,233,000 | 77,094,000 | 76,433,000 | 79,113,000 |
| Noninterest-bearing deposits | 6,930,000 | 7,225,000 | 7,164,000 | 9,013,000 |
| Equity capital | 7,233,000 | 7,131,000 | 7,499,000 | 7,729,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,650,000 | 3,413,000 | 5,224,000 | 7,093,000 |
| Interest expense | 589,000 | 1,339,000 | 2,103,000 | 2,924,000 |
| Net interest income | 1,061,000 | 2,074,000 | 3,121,000 | 4,169,000 |
| Noninterest income | 112,000 | 228,000 | 355,000 | 468,000 |
| Noninterest expense | 927,000 | 1,717,000 | 2,508,000 | 3,375,000 |
| Provision for loan losses | 37,000 | 75,000 | 113,000 | 151,000 |
| Pretax income | 210,000 | 512,000 | 858,000 | 1,115,000 |
| Income tax | 7,000 | 18,000 | 30,000 | 44,000 |
| Net income | 203,000 | 494,000 | 828,000 | 1,071,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,490,000 | 7,597,000 | 7,671,000 | 7,914,000 |
| Total capital | 8,476,000 | 8,571,000 | 8,687,000 | 8,954,000 |
| Risk-weighted assets | 78,809,000 | 79,920,000 | 82,594,000 | 83,994,000 |
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