Call reports 2012
MERCHANTS AND FARMERS BANK — 2012
What MERCHANTS AND FARMERS BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 1,599,341,000 | 1,553,778,000 | 1,545,084,000 | 1,593,402,000 |
| Total loans | 1,008,179,000 | 1,004,886,000 | 1,010,875,000 | 996,487,000 |
| Allowance for loan losses | 16,084,000 | 15,310,000 | 16,656,000 | 17,492,000 |
| Securities available for sale | 364,489,000 | 376,163,000 | 352,668,000 | 347,043,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,410,849,000 | 1,362,149,000 | 1,350,147,000 | 1,404,982,000 |
| Interest-bearing deposits | 1,172,236,000 | 1,125,994,000 | 1,116,453,000 | 1,128,677,000 |
| Noninterest-bearing deposits | 238,613,000 | 236,155,000 | 233,694,000 | 276,305,000 |
| Equity capital | 139,140,000 | 141,831,000 | 142,350,000 | 144,179,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 16,203,000 | 32,113,000 | 47,740,000 | 62,924,000 |
| Interest expense | 2,939,000 | 5,583,000 | 8,011,000 | 10,228,000 |
| Net interest income | 13,264,000 | 26,530,000 | 39,729,000 | 52,696,000 |
| Noninterest income | 3,667,000 | 8,699,000 | 13,558,000 | 18,115,000 |
| Noninterest expense | 12,777,000 | 26,018,000 | 39,190,000 | 51,829,000 |
| Provision for loan losses | 2,280,000 | 4,560,000 | 6,540,000 | 8,520,000 |
| Pretax income | 2,465,000 | 5,239,000 | 8,093,000 | 10,990,000 |
| Income tax | 635,000 | 1,391,000 | 2,191,000 | 2,998,000 |
| Net income | 1,830,000 | 3,848,000 | 5,902,000 | 7,992,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 128,560,000 | 131,910,000 | 132,659,000 | 138,497,000 |
| Total capital | 143,104,000 | 146,598,000 | 147,353,000 | 153,091,000 |
| Risk-weighted assets | 1,162,010,000 | 1,174,438,000 | 1,173,519,000 | 1,164,594,000 |