Call reports 2006
MERRICK BANK — 2006
What MERRICK 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 | 736,205,000 | 806,569,000 | 909,530,000 | 1,032,405,000 |
| Total loans | 720,867,000 | 781,091,000 | 864,208,000 | 948,133,000 |
| Allowance for loan losses | 105,640,000 | 115,525,000 | 132,510,000 | 147,465,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 5,849,000 | 6,666,000 | 6,522,000 | 6,437,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 551,805,000 | 618,591,000 | 707,913,000 | 813,303,000 |
| Interest-bearing deposits | 460,091,000 | 517,114,000 | 593,999,000 | 614,996,000 |
| Noninterest-bearing deposits | 91,714,000 | 101,477,000 | 113,914,000 | 198,307,000 |
| Equity capital | 154,210,000 | 163,564,000 | 172,227,000 | 182,949,000 |
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 | 45,208,000 | 93,835,000 | 150,733,000 | 210,989,000 |
| Interest expense | 4,763,000 | 9,972,000 | 16,581,000 | 24,088,000 |
| Net interest income | 40,445,000 | 83,863,000 | 134,152,000 | 186,901,000 |
| Noninterest income | 13,425,000 | 28,642,000 | 43,468,000 | 61,966,000 |
| Noninterest expense | 21,505,000 | 43,658,000 | 66,490,000 | 90,308,000 |
| Provision for loan losses | 10,520,000 | 32,008,000 | 60,400,000 | 90,646,000 |
| Pretax income | 21,845,000 | 36,839,000 | 50,730,000 | 67,913,000 |
| Income tax | 8,216,000 | 13,856,000 | 19,084,000 | 25,545,000 |
| Net income | 13,629,000 | 22,983,000 | 31,646,000 | 42,368,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 154,731,000 | 164,114,000 | 172,162,000 | 182,897,000 |
| Total capital | 164,597,000 | 174,932,000 | 184,401,000 | 197,180,000 |
| Risk-weighted assets | 693,524,000 | 760,763,000 | 858,852,000 | 1,009,472,000 |