Call reports 2012
MANUFACTURERS BANK & TRUST COMPANY — 2012
What MANUFACTURERS BANK & TRUST COMPANY reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 272,693,000 | 273,711,000 | 273,656,000 | 286,363,000 |
| Total loans | 163,490,000 | 163,750,000 | 165,803,000 | 171,803,000 |
| Allowance for loan losses | 2,893,000 | 2,940,000 | 2,980,000 | 2,909,000 |
| Securities available for sale | 83,626,000 | 83,842,000 | 86,593,000 | 91,851,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 222,137,000 | 221,530,000 | 222,322,000 | 229,460,000 |
| Interest-bearing deposits | 195,244,000 | 193,438,000 | 188,493,000 | 194,104,000 |
| Noninterest-bearing deposits | 26,893,000 | 28,092,000 | 33,829,000 | 35,356,000 |
| Equity capital | 29,379,000 | 30,464,000 | 31,649,000 | 31,738,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 2,978,000 | 6,048,000 | 9,150,000 | 11,306,000 |
| Interest expense | 615,000 | 1,185,000 | 1,698,000 | 2,169,000 |
| Net interest income | 2,363,000 | 4,863,000 | 7,452,000 | 9,137,000 |
| Noninterest income | 623,000 | 1,341,000 | 2,059,000 | 3,688,000 |
| Noninterest expense | 1,935,000 | 3,862,000 | 5,890,000 | 7,872,000 |
| Provision for loan losses | 60,000 | 120,000 | 150,000 | 250,000 |
| Pretax income | 991,000 | 2,239,000 | 3,488,000 | 4,719,000 |
| Income tax | 44,000 | 101,000 | 157,000 | 214,000 |
| Net income | 947,000 | 2,138,000 | 3,331,000 | 4,505,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,538,000 | 26,378,000 | 27,221,000 | 27,775,000 |
| Total capital | 28,038,000 | 29,017,000 | 29,783,000 | 30,380,000 |
| Risk-weighted assets | 198,840,000 | 210,021,000 | 203,754,000 | 212,592,000 |