Call reports 2009
MERCHANTS AND FARMERS BANK — 2009
What MERCHANTS AND FARMERS BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 1,637,315,000 | 1,623,041,000 | 1,674,818,000 | 1,661,125,000 |
| Total loans | 1,155,318,000 | 1,112,638,000 | 1,105,834,000 | 1,068,606,000 |
| Allowance for loan losses | 41,506,000 | 31,323,000 | 32,695,000 | 24,014,000 |
| Securities available for sale | 285,752,000 | 330,925,000 | 303,305,000 | 284,550,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,323,225,000 | 1,319,654,000 | 1,362,533,000 | 1,392,996,000 |
| Interest-bearing deposits | 1,131,829,000 | 1,138,481,000 | 1,165,524,000 | 1,164,407,000 |
| Noninterest-bearing deposits | 191,396,000 | 181,173,000 | 197,009,000 | 228,589,000 |
| Equity capital | 160,113,000 | 153,900,000 | 159,500,000 | 131,180,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 20,271,000 | 39,436,000 | 59,365,000 | 78,854,000 |
| Interest expense | 7,912,000 | 15,307,000 | 22,427,000 | 29,206,000 |
| Net interest income | 12,359,000 | 24,129,000 | 36,938,000 | 49,648,000 |
| Noninterest income | 4,635,000 | 8,456,000 | 13,569,000 | 14,522,000 |
| Noninterest expense | 28,064,000 | 42,495,000 | 56,539,000 | 87,531,000 |
| Provision for loan losses | 19,840,000 | 29,035,000 | 33,840,000 | 49,601,000 |
| Pretax income | -30,910,000 | -39,119,000 | -39,842,000 | -73,335,000 |
| Income tax | -6,359,000 | -9,810,000 | -10,744,000 | -17,261,000 |
| Net income | -24,535,000 | -29,295,000 | -29,091,000 | -56,068,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 139,169,000 | 133,541,000 | 137,534,000 | 115,805,000 |
| Total capital | 155,834,000 | 149,519,000 | 153,385,000 | 130,962,000 |
| Risk-weighted assets | 1,308,333,000 | 1,262,927,000 | 1,251,263,000 | 1,203,666,000 |
Machine access — free, no API key
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