Call reports 2009
MANUFACTURERS BANK & TRUST COMPANY — 2009
What MANUFACTURERS BANK & TRUST COMPANY reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 236,209,000 | 234,704,000 | 231,528,000 | 231,179,000 |
| Total loans | 162,996,000 | 157,488,000 | 155,859,000 | 156,037,000 |
| Allowance for loan losses | 3,128,000 | 3,009,000 | 3,247,000 | 2,827,000 |
| Securities available for sale | 53,299,000 | 54,263,000 | 60,269,000 | 58,538,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 177,796,000 | 179,040,000 | 174,043,000 | 178,329,000 |
| Interest-bearing deposits | 154,452,000 | 157,567,000 | 150,483,000 | 154,028,000 |
| Noninterest-bearing deposits | 23,344,000 | 21,473,000 | 23,560,000 | 24,301,000 |
| Equity capital | 23,918,000 | 23,832,000 | 24,661,000 | 23,964,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 3,245,000 | 6,524,000 | 9,646,000 | 12,640,000 |
| Interest expense | 1,209,000 | 2,341,000 | 3,383,000 | 4,382,000 |
| Net interest income | 2,036,000 | 4,183,000 | 6,263,000 | 8,258,000 |
| Noninterest income | 620,000 | 1,356,000 | 2,060,000 | 2,335,000 |
| Noninterest expense | 1,926,000 | 3,877,000 | 5,732,000 | 7,190,000 |
| Provision for loan losses | 234,000 | 835,000 | 1,450,000 | 2,162,000 |
| Pretax income | 496,000 | 827,000 | 1,141,000 | 1,352,000 |
| Income tax | 22,000 | 36,000 | 49,000 | 50,000 |
| Net income | 474,000 | 791,000 | 1,092,000 | 1,302,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,634,000 | 21,686,000 | 21,783,000 | 21,772,000 |
| Total capital | 23,989,000 | 23,968,000 | 23,999,000 | 23,977,000 |
| Risk-weighted assets | 187,606,000 | 181,196,000 | 175,525,000 | 179,455,000 |