Call reports 2005
MERCHANTS & PLANTERS BANK — 2005
What MERCHANTS & PLANTERS BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 89,719,000 | 88,468,000 | 87,699,000 | 87,490,000 |
| Total loans | 49,315,000 | 48,764,000 | 48,034,000 | 46,946,000 |
| Allowance for loan losses | 1,995,000 | 1,788,000 | 1,640,000 | 1,508,000 |
| Securities available for sale | 30,431,000 | 30,755,000 | 29,885,000 | 30,136,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 78,899,000 | 76,969,000 | 76,197,000 | 76,061,000 |
| Interest-bearing deposits | 72,049,000 | 69,811,000 | 69,323,000 | 69,225,000 |
| Noninterest-bearing deposits | 6,850,000 | 7,158,000 | 6,874,000 | 6,836,000 |
| Equity capital | 8,012,000 | 8,305,000 | 8,451,000 | 8,478,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,217,000 | 2,448,000 | 3,673,000 | 4,915,000 |
| Interest expense | 352,000 | 748,000 | 1,167,000 | 1,633,000 |
| Net interest income | 865,000 | 1,700,000 | 2,506,000 | 3,282,000 |
| Noninterest income | 178,000 | 268,000 | 445,000 | 634,000 |
| Noninterest expense | 734,000 | 1,494,000 | 2,266,000 | 3,050,000 |
| Provision for loan losses | 45,000 | 45,000 | 45,000 | 45,000 |
| Pretax income | 281,000 | 446,000 | 657,000 | 838,000 |
| Income tax | 32,000 | 64,000 | 96,000 | 44,000 |
| Net income | 249,000 | 382,000 | 561,000 | 794,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,482,000 | 8,465,000 | 8,644,000 | 8,877,000 |
| Total capital | 9,238,000 | 9,185,000 | 8,644,000 | 9,570,000 |
| Risk-weighted assets | 59,237,000 | 56,551,000 | 54,660,000 | 54,701,000 |