Call reports 2006
MERCANTILE NATIONAL BANK — 2006
What MERCANTILE NATIONAL 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 | 264,546,000 | 262,436,000 | 268,046,000 | 277,095,000 |
| Total loans | 170,275,000 | 169,673,000 | 171,738,000 | 170,971,000 |
| Allowance for loan losses | 2,285,000 | 2,343,000 | 2,343,000 | 2,343,000 |
| Securities available for sale | 63,718,000 | 72,763,000 | 74,238,000 | 74,139,000 |
| Securities held to maturity | 1,339,000 | 1,241,000 | 1,169,000 | 1,097,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 222,049,000 | 203,772,000 | 209,349,000 | 213,907,000 |
| Interest-bearing deposits | 172,319,000 | 159,834,000 | 165,322,000 | 171,584,000 |
| Noninterest-bearing deposits | 49,730,000 | 43,938,000 | 44,027,000 | 42,323,000 |
| Equity capital | 25,364,000 | 21,885,000 | 24,035,000 | 24,988,000 |
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 | 4,113,000 | 8,783,000 | 13,602,000 | 18,608,000 |
| Interest expense | 996,000 | 2,354,000 | 3,950,000 | 5,745,000 |
| Net interest income | 3,117,000 | 6,429,000 | 9,652,000 | 12,863,000 |
| Noninterest income | 138,000 | 265,000 | 375,000 | 1,205,000 |
| Noninterest expense | 1,975,000 | 3,982,000 | 5,831,000 | 8,156,000 |
| Provision for loan losses | 0 | 40,000 | 90,000 | 124,000 |
| Pretax income | 1,280,000 | 2,672,000 | 4,106,000 | 5,788,000 |
| Income tax | 550,000 | 1,148,000 | 1,765,000 | 2,485,000 |
| Net income | 730,000 | 1,524,000 | 2,341,000 | 3,303,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,772,000 | 23,927,000 | 24,745,000 | 25,706,000 |
| Total capital | 28,273,000 | 26,431,000 | 27,329,000 | 28,305,000 |
| Risk-weighted assets | 200,104,000 | 200,232,000 | 209,152,000 | 212,161,000 |
Machine access — free, no API key
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