Call reports 2005
FAMILY MERCHANTS BANK — 2005
What FAMILY MERCHANTS BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|
| Total assets | 9,944,000 | 21,122,000 | 25,088,000 |
| Total loans | 4,115,000 | 12,981,000 | 15,521,000 |
| Allowance for loan losses | 51,000 | 162,000 | 189,000 |
| Securities available for sale | 4,135,000 | 5,848,000 | 5,787,000 |
| Securities held to maturity | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 |
| Total deposits | 5,013,000 | 15,131,000 | 15,534,000 |
| Interest-bearing deposits | 4,952,000 | 14,836,000 | 14,888,000 |
| Noninterest-bearing deposits | 62,000 | 295,000 | 646,000 |
| Equity capital | 4,924,000 | 4,663,000 | 4,525,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|
| Interest income | 60,000 | 268,000 | 614,000 |
| Interest expense | 14,000 | 100,000 | 280,000 |
| Net interest income | 46,000 | 168,000 | 334,000 |
| Noninterest income | 0 | 4,000 | 7,000 |
| Noninterest expense | 266,000 | 529,000 | 772,000 |
| Provision for loan losses | 51,000 | 162,000 | 189,000 |
| Pretax income | -271,000 | -519,000 | -620,000 |
| Income tax | 0 | 0 | 0 |
| Net income | -271,000 | -519,000 | -620,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|
| Tier 1 capital | 4,926,000 | 4,696,000 | 4,613,000 |
| Total capital | 4,977,000 | 4,858,000 | 4,802,000 |
| Risk-weighted assets | 5,369,000 | 14,915,000 | 18,577,000 |