Call reports 2002
MANUFACTURERS BANK & TRUST COMPANY — 2002
What MANUFACTURERS BANK & TRUST COMPANY reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 197,090,000 | 200,257,000 | 200,892,000 | 208,837,000 |
| Total loans | 137,556,000 | 139,827,000 | 141,541,000 | 140,078,000 |
| Allowance for loan losses | 2,333,000 | 2,473,000 | 2,505,000 | 2,508,000 |
| Securities available for sale | 39,717,000 | 45,556,000 | 42,490,000 | 49,102,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 157,554,000 | 153,574,000 | 150,046,000 | 155,928,000 |
| Interest-bearing deposits | 144,604,000 | 139,737,000 | 135,713,000 | 140,812,000 |
| Noninterest-bearing deposits | 12,949,000 | 13,836,000 | 14,333,000 | 15,116,000 |
| Equity capital | 18,457,000 | 18,844,000 | 19,439,000 | 20,143,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 3,231,000 | 6,482,000 | 9,699,000 | 13,006,000 |
| Interest expense | 1,446,000 | 2,902,000 | 4,302,000 | 5,615,000 |
| Net interest income | 1,785,000 | 3,580,000 | 5,397,000 | 7,391,000 |
| Noninterest income | 478,000 | 936,000 | 1,385,000 | 1,876,000 |
| Noninterest expense | 1,295,000 | 2,649,000 | 3,968,000 | 5,382,000 |
| Provision for loan losses | 135,000 | 270,000 | 380,000 | 440,000 |
| Pretax income | 833,000 | 1,597,000 | 2,434,000 | 3,445,000 |
| Income tax | 44,000 | 88,000 | 134,000 | 182,000 |
| Net income | 789,000 | 1,509,000 | 2,300,000 | 3,263,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,802,000 | 14,765,000 | 15,135,000 | 15,907,000 |
| Total capital | 16,614,000 | 16,593,000 | 16,900,000 | 17,754,000 |
| Risk-weighted assets | 144,465,000 | 145,590,000 | 140,427,000 | 147,100,000 |