Call reports 2010
MANUFACTURERS BANK & TRUST COMPANY — 2010
What MANUFACTURERS BANK & TRUST COMPANY reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 233,713,000 | 241,453,000 | 249,430,000 | 251,347,000 |
| Total loans | 152,266,000 | 149,131,000 | 155,850,000 | 157,847,000 |
| Allowance for loan losses | 3,281,000 | 3,330,000 | 3,353,000 | 3,079,000 |
| Securities available for sale | 65,385,000 | 67,684,000 | 76,140,000 | 75,862,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 182,970,000 | 190,144,000 | 188,041,000 | 198,609,000 |
| Interest-bearing deposits | 159,748,000 | 167,668,000 | 164,032,000 | 171,950,000 |
| Noninterest-bearing deposits | 23,222,000 | 22,476,000 | 24,009,000 | 26,659,000 |
| Equity capital | 23,575,000 | 24,545,000 | 26,058,000 | 25,132,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 2,766,000 | 5,767,000 | 8,870,000 | 11,923,000 |
| Interest expense | 949,000 | 1,890,000 | 2,780,000 | 3,613,000 |
| Net interest income | 1,817,000 | 3,877,000 | 6,090,000 | 8,310,000 |
| Noninterest income | 666,000 | 1,368,000 | 2,139,000 | 2,656,000 |
| Noninterest expense | 1,748,000 | 3,609,000 | 5,629,000 | 7,290,000 |
| Provision for loan losses | 450,000 | 656,000 | 860,000 | 960,000 |
| Pretax income | 285,000 | 980,000 | 1,810,000 | 2,786,000 |
| Income tax | 11,000 | 42,000 | 79,000 | 123,000 |
| Net income | 274,000 | 938,000 | 1,731,000 | 2,663,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,545,000 | 22,241,000 | 22,623,000 | 23,435,000 |
| Total capital | 23,712,000 | 24,480,000 | 24,947,000 | 25,797,000 |
| Risk-weighted assets | 175,710,000 | 177,274,000 | 184,172,000 | 187,464,000 |