Call reports 2004
MERRICK BANK — 2004
What MERRICK BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 432,408,000 | 458,838,000 | 486,874,000 | 555,232,000 |
| Total loans | 484,402,000 | 505,234,000 | 533,604,000 | 591,129,000 |
| Allowance for loan losses | 102,420,000 | 103,795,000 | 102,890,000 | 106,075,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 3,166,000 | 3,305,000 | 4,349,000 | 4,674,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 325,596,000 | 350,682,000 | 365,643,000 | 424,169,000 |
| Interest-bearing deposits | 300,175,000 | 323,048,000 | 339,487,000 | 374,558,000 |
| Noninterest-bearing deposits | 25,421,000 | 27,634,000 | 26,156,000 | 49,611,000 |
| Equity capital | 88,720,000 | 92,338,000 | 101,184,000 | 105,713,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 28,026,000 | 55,472,000 | 87,645,000 | 119,692,000 |
| Interest expense | 2,004,000 | 4,034,000 | 6,358,000 | 8,848,000 |
| Net interest income | 26,022,000 | 51,438,000 | 81,287,000 | 110,844,000 |
| Noninterest income | 7,022,000 | 14,444,000 | 22,514,000 | 32,198,000 |
| Noninterest expense | 13,305,000 | 26,826,000 | 41,893,000 | 58,485,000 |
| Provision for loan losses | 13,124,000 | 26,537,000 | 35,375,000 | 50,399,000 |
| Pretax income | 6,615,000 | 12,519,000 | 26,533,000 | 34,158,000 |
| Income tax | 2,546,000 | 4,832,000 | 10,000,000 | 13,096,000 |
| Net income | 4,069,000 | 7,687,000 | 16,533,000 | 21,062,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 91,059,000 | 94,738,000 | 103,657,000 | 106,004,000 |
| Total capital | 97,337,000 | 101,332,000 | 110,596,000 | 113,821,000 |
| Risk-weighted assets | 406,072,000 | 430,343,000 | 459,205,000 | 527,097,000 |