Call reports 2007
FAMILY MERCHANTS BANK — 2007
What FAMILY MERCHANTS BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 39,988,000 | 40,863,000 | 36,726,000 | 35,334,000 |
| Total loans | 26,621,000 | 25,002,000 | 24,154,000 | 23,777,000 |
| Allowance for loan losses | 397,000 | 429,000 | 463,000 | 567,000 |
| Securities available for sale | 7,329,000 | 7,006,000 | 6,230,000 | 4,656,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 26,694,000 | 28,831,000 | 25,448,000 | 23,491,000 |
| Interest-bearing deposits | 23,309,000 | 24,070,000 | 22,642,000 | 21,038,000 |
| Noninterest-bearing deposits | 3,385,000 | 4,761,000 | 2,806,000 | 2,453,000 |
| Equity capital | 3,770,000 | 3,478,000 | 3,394,000 | 3,103,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 599,000 | 1,242,000 | 1,835,000 | 2,387,000 |
| Interest expense | 399,000 | 797,000 | 1,190,000 | 1,552,000 |
| Net interest income | 200,000 | 445,000 | 645,000 | 835,000 |
| Noninterest income | 26,000 | 56,000 | 75,000 | 101,000 |
| Noninterest expense | 707,000 | 1,021,000 | 1,338,000 | 1,660,000 |
| Provision for loan losses | 12,000 | 246,000 | 316,000 | 519,000 |
| Pretax income | -493,000 | -766,000 | -934,000 | -1,243,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -493,000 | -766,000 | -934,000 | -1,243,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,814,000 | 3,561,000 | 3,394,000 | 3,080,000 |
| Total capital | 4,211,000 | 3,948,000 | 3,772,000 | 3,441,000 |
| Risk-weighted assets | 34,905,000 | 30,906,000 | 29,395,000 | 28,696,000 |