Call reports 2004
MANUFACTURERS BANK & TRUST COMPANY — 2004
What MANUFACTURERS BANK & TRUST COMPANY 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 | 208,086,000 | 205,170,000 | 207,362,000 | 212,655,000 |
| Total loans | 137,762,000 | 140,284,000 | 144,500,000 | 150,231,000 |
| Allowance for loan losses | 2,866,000 | 2,865,000 | 2,880,000 | 2,841,000 |
| Securities available for sale | 54,628,000 | 50,633,000 | 48,412,000 | 47,740,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 156,181,000 | 154,166,000 | 145,822,000 | 156,904,000 |
| Interest-bearing deposits | 136,926,000 | 136,544,000 | 128,023,000 | 134,790,000 |
| Noninterest-bearing deposits | 19,255,000 | 17,622,000 | 17,799,000 | 22,114,000 |
| Equity capital | 20,072,000 | 19,104,000 | 19,847,000 | 20,187,000 |
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 | 2,771,000 | 5,530,000 | 8,332,000 | 11,191,000 |
| Interest expense | 961,000 | 1,860,000 | 2,775,000 | 3,728,000 |
| Net interest income | 1,810,000 | 3,670,000 | 5,557,000 | 7,463,000 |
| Noninterest income | 521,000 | 1,049,000 | 1,583,000 | 2,246,000 |
| Noninterest expense | 1,456,000 | 2,942,000 | 4,535,000 | 5,912,000 |
| Provision for loan losses | 75,000 | 150,000 | 175,000 | 175,000 |
| Pretax income | 800,000 | 1,627,000 | 2,430,000 | 3,622,000 |
| Income tax | 41,000 | 84,000 | 121,000 | 102,000 |
| Net income | 759,000 | 1,543,000 | 2,309,000 | 3,520,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,702,000 | 16,851,000 | 17,258,000 | 17,963,000 |
| Total capital | 18,622,000 | 18,802,000 | 19,267,000 | 20,070,000 |
| Risk-weighted assets | 152,661,000 | 155,292,000 | 159,905,000 | 167,805,000 |