Call reports 2015
MANUFACTURERS BANK & TRUST COMPANY — 2015
What MANUFACTURERS BANK & TRUST COMPANY reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 301,277,000 | 297,064,000 | 303,653,000 | 314,620,000 |
| Total loans | 189,409,000 | 192,488,000 | 199,232,000 | 206,633,000 |
| Allowance for loan losses | 3,104,000 | 3,167,000 | 3,241,000 | 3,303,000 |
| Securities available for sale | 86,344,000 | 83,803,000 | 83,975,000 | 85,699,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 245,079,000 | 240,817,000 | 229,134,000 | 242,418,000 |
| Interest-bearing deposits | 207,079,000 | 205,639,000 | 193,836,000 | 203,646,000 |
| Noninterest-bearing deposits | 38,000,000 | 35,178,000 | 35,298,000 | 38,772,000 |
| Equity capital | 35,860,000 | 35,628,000 | 36,695,000 | 37,329,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 2,791,000 | 5,618,000 | 8,533,000 | 11,423,000 |
| Interest expense | 311,000 | 614,000 | 913,000 | 1,204,000 |
| Net interest income | 2,480,000 | 5,004,000 | 7,620,000 | 10,219,000 |
| Noninterest income | 681,000 | 1,484,000 | 2,342,000 | 3,203,000 |
| Noninterest expense | 2,247,000 | 4,379,000 | 6,603,000 | 8,723,000 |
| Provision for loan losses | 90,000 | 180,000 | 270,000 | 360,000 |
| Pretax income | 824,000 | 1,929,000 | 3,089,000 | 4,339,000 |
| Income tax | 38,000 | 91,000 | 146,000 | 207,000 |
| Net income | 786,000 | 1,838,000 | 2,943,000 | 4,132,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,797,000 | 34,437,000 | 35,100,000 | 35,803,000 |
| Total capital | 36,747,000 | 37,410,000 | 38,165,000 | 39,046,000 |
| Risk-weighted assets | 235,852,000 | 237,611,000 | 245,046,000 | 259,350,000 |