Call reports 2004
MERCHANTS & PLANTERS BANK — 2004
What MERCHANTS & PLANTERS BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 97,381,000 | 95,982,000 | 93,069,000 | 92,939,000 |
| Total loans | 55,117,000 | 51,558,000 | 51,025,000 | 50,006,000 |
| Allowance for loan losses | 2,396,000 | 2,251,000 | 2,098,000 | 2,049,000 |
| Securities available for sale | 28,438,000 | 31,502,000 | 30,404,000 | 31,511,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 86,904,000 | 86,067,000 | 82,495,000 | 82,304,000 |
| Interest-bearing deposits | 79,544,000 | 78,205,000 | 75,320,000 | 74,315,000 |
| Noninterest-bearing deposits | 7,360,000 | 7,862,000 | 7,175,000 | 7,989,000 |
| Equity capital | 7,856,000 | 7,430,000 | 8,069,000 | 8,192,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,328,000 | 2,618,000 | 3,882,000 | 5,137,000 |
| Interest expense | 391,000 | 733,000 | 1,071,000 | 1,408,000 |
| Net interest income | 937,000 | 1,885,000 | 2,811,000 | 3,729,000 |
| Noninterest income | 208,000 | 435,000 | 636,000 | 803,000 |
| Noninterest expense | 902,000 | 1,814,000 | 2,709,000 | 3,483,000 |
| Provision for loan losses | 150,000 | 300,000 | 325,000 | 325,000 |
| Pretax income | 93,000 | 221,000 | 428,000 | 740,000 |
| Income tax | 16,000 | 41,000 | 61,000 | 99,000 |
| Net income | 77,000 | 180,000 | 367,000 | 641,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,670,000 | 7,772,000 | 7,960,000 | 8,233,000 |
| Total capital | 8,517,000 | 8,585,000 | 8,753,000 | 9,000,000 |
| Risk-weighted assets | 66,172,000 | 63,573,000 | 62,134,000 | 60,098,000 |