Call reports 2003
MANUFACTURERS BANK & TRUST COMPANY — 2003
What MANUFACTURERS BANK & TRUST COMPANY reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 202,871,000 | 210,551,000 | 207,608,000 | 211,516,000 |
| Total loans | 135,097,000 | 138,768,000 | 138,857,000 | 141,477,000 |
| Allowance for loan losses | 2,601,000 | 2,754,000 | 2,834,000 | 2,807,000 |
| Securities available for sale | 48,950,000 | 50,197,000 | 55,224,000 | 51,476,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 153,846,000 | 156,576,000 | 152,983,000 | 160,751,000 |
| Interest-bearing deposits | 138,729,000 | 141,761,000 | 137,413,000 | 140,891,000 |
| Noninterest-bearing deposits | 15,117,000 | 14,815,000 | 15,570,000 | 19,860,000 |
| Equity capital | 19,692,000 | 19,863,000 | 19,841,000 | 20,186,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 3,044,000 | 6,152,000 | 9,241,000 | 12,126,000 |
| Interest expense | 1,175,000 | 2,316,000 | 3,340,000 | 4,334,000 |
| Net interest income | 1,869,000 | 3,836,000 | 5,901,000 | 7,792,000 |
| Noninterest income | 504,000 | 1,014,000 | 1,565,000 | 2,058,000 |
| Noninterest expense | 1,435,000 | 2,907,000 | 4,325,000 | 5,828,000 |
| Provision for loan losses | 105,000 | 210,000 | 315,000 | 315,000 |
| Pretax income | 833,000 | 1,733,000 | 2,826,000 | 3,707,000 |
| Income tax | 45,000 | 89,000 | 151,000 | 186,000 |
| Net income | 788,000 | 1,644,000 | 2,675,000 | 3,521,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,647,000 | 15,751,000 | 16,277,000 | 16,945,000 |
| Total capital | 17,419,000 | 17,616,000 | 18,157,000 | 18,939,000 |
| Risk-weighted assets | 140,966,000 | 148,310,000 | 149,433,000 | 158,704,000 |