Call reports 2014
MANUFACTURERS BANK & TRUST COMPANY — 2014
What MANUFACTURERS BANK & TRUST COMPANY reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 287,856,000 | 290,748,000 | 297,445,000 | 302,189,000 |
| Total loans | 174,228,000 | 182,078,000 | 188,506,000 | 193,120,000 |
| Allowance for loan losses | 2,782,000 | 2,852,000 | 2,855,000 | 3,034,000 |
| Securities available for sale | 89,664,000 | 87,164,000 | 87,229,000 | 84,204,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 237,433,000 | 232,360,000 | 223,688,000 | 247,231,000 |
| Interest-bearing deposits | 199,653,000 | 197,452,000 | 187,425,000 | 208,641,000 |
| Noninterest-bearing deposits | 37,780,000 | 34,908,000 | 36,263,000 | 38,590,000 |
| Equity capital | 32,959,000 | 34,240,000 | 34,845,000 | 35,155,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 2,689,000 | 5,544,000 | 8,372,000 | 11,202,000 |
| Interest expense | 344,000 | 679,000 | 1,013,000 | 1,342,000 |
| Net interest income | 2,345,000 | 4,865,000 | 7,359,000 | 9,860,000 |
| Noninterest income | 685,000 | 1,381,000 | 2,181,000 | 2,980,000 |
| Noninterest expense | 2,061,000 | 4,026,000 | 6,084,000 | 8,151,000 |
| Provision for loan losses | 60,000 | 60,000 | 100,000 | 290,000 |
| Pretax income | 909,000 | 2,160,000 | 3,356,000 | 4,399,000 |
| Income tax | 45,000 | 103,000 | 159,000 | 211,000 |
| Net income | 864,000 | 2,057,000 | 3,197,000 | 4,188,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,192,000 | 32,050,000 | 32,728,000 | 33,245,000 |
| Total capital | 33,892,000 | 34,777,000 | 35,581,000 | 36,148,000 |
| Risk-weighted assets | 215,888,000 | 223,711,000 | 228,804,000 | 236,430,000 |