Call reports 2007
MANUFACTURERS BANK & TRUST COMPANY — 2007
What MANUFACTURERS BANK & TRUST COMPANY reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 231,792,000 | 236,154,000 | 235,659,000 | 235,168,000 |
| Total loans | 169,814,000 | 171,696,000 | 174,098,000 | 174,137,000 |
| Allowance for loan losses | 2,791,000 | 2,861,000 | 2,965,000 | 2,668,000 |
| Securities available for sale | 47,801,000 | 45,588,000 | 45,653,000 | 44,669,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 170,241,000 | 176,495,000 | 168,288,000 | 168,385,000 |
| Interest-bearing deposits | 149,211,000 | 154,440,000 | 148,237,000 | 144,887,000 |
| Noninterest-bearing deposits | 21,031,000 | 22,055,000 | 20,051,000 | 23,498,000 |
| Equity capital | 22,021,000 | 21,846,000 | 22,765,000 | 23,645,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 3,634,000 | 7,436,000 | 11,270,000 | 15,012,000 |
| Interest expense | 1,679,000 | 3,505,000 | 5,371,000 | 7,164,000 |
| Net interest income | 1,955,000 | 3,931,000 | 5,899,000 | 7,848,000 |
| Noninterest income | 627,000 | 1,254,000 | 1,914,000 | 2,617,000 |
| Noninterest expense | 1,649,000 | 3,221,000 | 4,799,000 | 6,349,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 300,000 |
| Pretax income | 858,000 | 1,814,000 | 2,789,000 | 3,816,000 |
| Income tax | 39,000 | 81,000 | 125,000 | 168,000 |
| Net income | 819,000 | 1,733,000 | 2,664,000 | 3,648,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,524,000 | 20,784,000 | 21,197,000 | 21,762,000 |
| Total capital | 22,937,000 | 23,201,000 | 23,616,000 | 24,180,000 |
| Risk-weighted assets | 192,659,000 | 192,897,000 | 192,965,000 | 193,224,000 |