Call reports 2008
MANUFACTURERS BANK & TRUST COMPANY — 2008
What MANUFACTURERS BANK & TRUST COMPANY reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 238,312,000 | 236,297,000 | 233,217,000 | 236,620,000 |
| Total loans | 168,510,000 | 165,796,000 | 166,632,000 | 170,666,000 |
| Allowance for loan losses | 3,039,000 | 2,785,000 | 2,786,000 | 2,976,000 |
| Securities available for sale | 50,875,000 | 46,370,000 | 47,810,000 | 47,172,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 174,082,000 | 176,007,000 | 166,484,000 | 169,136,000 |
| Interest-bearing deposits | 152,561,000 | 154,430,000 | 145,773,000 | 145,481,000 |
| Noninterest-bearing deposits | 21,522,000 | 21,578,000 | 20,711,000 | 23,655,000 |
| Equity capital | 23,576,000 | 22,778,000 | 23,055,000 | 24,195,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 3,644,000 | 7,156,000 | 10,482,000 | 13,785,000 |
| Interest expense | 1,714,000 | 3,252,000 | 4,673,000 | 6,034,000 |
| Net interest income | 1,930,000 | 3,904,000 | 5,809,000 | 7,751,000 |
| Noninterest income | 616,000 | 1,270,000 | 2,011,000 | 2,678,000 |
| Noninterest expense | 1,667,000 | 3,294,000 | 4,945,000 | 6,324,000 |
| Provision for loan losses | 400,000 | 516,000 | 807,000 | 1,588,000 |
| Pretax income | 479,000 | 1,364,000 | 2,068,000 | 2,517,000 |
| Income tax | 22,000 | 63,000 | 94,000 | 116,000 |
| Net income | 457,000 | 1,301,000 | 1,974,000 | 2,401,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,164,000 | 21,405,000 | 21,699,000 | 21,885,000 |
| Total capital | 23,522,000 | 23,755,000 | 24,086,000 | 24,348,000 |
| Risk-weighted assets | 187,984,000 | 187,569,000 | 190,101,000 | 196,079,000 |