Call reports 2006
FAMILY MERCHANTS BANK — 2006
What FAMILY MERCHANTS 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 | 31,408,000 | 36,937,000 | 39,441,000 | 42,026,000 |
| Total loans | 20,853,000 | 26,498,000 | 27,990,000 | 27,788,000 |
| Allowance for loan losses | 261,000 | 377,000 | 380,000 | 385,000 |
| Securities available for sale | 5,762,000 | 5,701,000 | 6,292,000 | 6,812,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 21,243,000 | 26,321,000 | 27,607,000 | 30,065,000 |
| Interest-bearing deposits | 18,346,000 | 23,974,000 | 24,289,000 | 26,157,000 |
| Noninterest-bearing deposits | 2,897,000 | 2,347,000 | 3,318,000 | 3,908,000 |
| Equity capital | 4,438,000 | 4,157,000 | 4,263,000 | 4,250,000 |
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 | 433,000 | 1,004,000 | 1,676,000 | 2,348,000 |
| Interest expense | 230,000 | 532,000 | 901,000 | 1,313,000 |
| Net interest income | 203,000 | 472,000 | 775,000 | 1,035,000 |
| Noninterest income | 42,000 | 64,000 | 93,000 | 127,000 |
| Noninterest expense | 386,000 | 770,000 | 1,099,000 | 1,429,000 |
| Provision for loan losses | 72,000 | 221,000 | 221,000 | 221,000 |
| Pretax income | -213,000 | -455,000 | -452,000 | -488,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -213,000 | -455,000 | -452,000 | -488,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,546,000 | 4,322,000 | 4,341,000 | 4,311,000 |
| Total capital | 4,807,000 | 4,699,000 | 4,721,000 | 4,696,000 |
| Risk-weighted assets | 25,683,000 | 34,311,000 | 35,809,000 | 36,085,000 |