Call reports 2006
MANUFACTURERS BANK & TRUST COMPANY — 2006
What MANUFACTURERS BANK & TRUST COMPANY 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 | 223,163,000 | 221,308,000 | 223,132,000 | 229,249,000 |
| Total loans | 162,064,000 | 159,544,000 | 164,563,000 | 164,496,000 |
| Allowance for loan losses | 2,879,000 | 2,675,000 | 2,740,000 | 2,796,000 |
| Securities available for sale | 46,994,000 | 45,574,000 | 43,862,000 | 45,100,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 162,697,000 | 163,634,000 | 158,620,000 | 170,088,000 |
| Interest-bearing deposits | 142,895,000 | 142,838,000 | 139,516,000 | 149,231,000 |
| Noninterest-bearing deposits | 19,802,000 | 20,796,000 | 19,104,000 | 20,857,000 |
| Equity capital | 20,493,000 | 20,413,000 | 21,371,000 | 21,989,000 |
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 | 3,272,000 | 6,720,000 | 10,269,000 | 13,904,000 |
| Interest expense | 1,339,000 | 2,773,000 | 4,294,000 | 5,950,000 |
| Net interest income | 1,933,000 | 3,947,000 | 5,975,000 | 7,954,000 |
| Noninterest income | 592,000 | 1,219,000 | 1,904,000 | 2,545,000 |
| Noninterest expense | 1,601,000 | 3,136,000 | 4,715,000 | 6,303,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 236,000 |
| Pretax income | 848,000 | 1,879,000 | 2,938,000 | 3,959,000 |
| Income tax | 30,000 | 66,000 | 104,000 | 140,000 |
| Net income | 818,000 | 1,813,000 | 2,834,000 | 3,819,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,240,000 | 19,468,000 | 19,937,000 | 20,589,000 |
| Total capital | 21,444,000 | 21,694,000 | 22,264,000 | 22,914,000 |
| Risk-weighted assets | 175,653,000 | 177,622,000 | 185,725,000 | 197,181,000 |