Call reports 2005
MANUFACTURERS BANK & TRUST COMPANY — 2005
What MANUFACTURERS BANK & TRUST COMPANY reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 214,686,000 | 217,215,000 | 219,213,000 | 219,570,000 |
| Total loans | 150,327,000 | 154,258,000 | 158,525,000 | 158,878,000 |
| Allowance for loan losses | 2,914,000 | 2,954,000 | 2,950,000 | 2,816,000 |
| Securities available for sale | 50,567,000 | 47,371,000 | 45,998,000 | 45,823,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 159,381,000 | 160,515,000 | 152,639,000 | 160,160,000 |
| Interest-bearing deposits | 138,144,000 | 138,908,000 | 133,580,000 | 139,322,000 |
| Noninterest-bearing deposits | 21,237,000 | 21,607,000 | 19,059,000 | 20,838,000 |
| Equity capital | 19,706,000 | 20,270,000 | 20,418,000 | 20,911,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 2,835,000 | 5,808,000 | 8,964,000 | 12,166,000 |
| Interest expense | 978,000 | 2,063,000 | 3,279,000 | 4,546,000 |
| Net interest income | 1,857,000 | 3,745,000 | 5,685,000 | 7,620,000 |
| Noninterest income | 566,000 | 1,117,000 | 1,719,000 | 2,358,000 |
| Noninterest expense | 1,541,000 | 3,000,000 | 4,572,000 | 6,145,000 |
| Provision for loan losses | 75,000 | 150,000 | 175,000 | 175,000 |
| Pretax income | 807,000 | 1,712,000 | 2,648,000 | 3,649,000 |
| Income tax | 41,000 | 88,000 | 131,000 | 182,000 |
| Net income | 766,000 | 1,624,000 | 2,517,000 | 3,467,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,027,000 | 18,329,000 | 18,759,000 | 19,492,000 |
| Total capital | 20,104,000 | 20,444,000 | 20,933,000 | 21,690,000 |
| Risk-weighted assets | 165,336,000 | 168,367,000 | 173,139,000 | 175,247,000 |