Call reports 2016
MANUFACTURERS BANK & TRUST COMPANY — 2016
What MANUFACTURERS BANK & TRUST COMPANY reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 318,637,000 | 314,782,000 | 325,885,000 | 326,942,000 |
| Total loans | 210,255,000 | 212,927,000 | 223,961,000 | 223,888,000 |
| Allowance for loan losses | 3,318,000 | 3,587,000 | 3,602,000 | 3,546,000 |
| Securities available for sale | 88,083,000 | 80,472,000 | 80,811,000 | 77,917,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 243,646,000 | 243,108,000 | 238,753,000 | 252,886,000 |
| Interest-bearing deposits | 205,344,000 | 203,183,000 | 199,601,000 | 209,748,000 |
| Noninterest-bearing deposits | 38,302,000 | 39,925,000 | 39,152,000 | 43,138,000 |
| Equity capital | 38,516,000 | 39,816,000 | 39,931,000 | 38,645,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 2,967,000 | 6,109,000 | 9,139,000 | 12,202,000 |
| Interest expense | 302,000 | 593,000 | 896,000 | 1,196,000 |
| Net interest income | 2,665,000 | 5,516,000 | 8,243,000 | 11,006,000 |
| Noninterest income | 792,000 | 1,637,000 | 2,585,000 | 3,421,000 |
| Noninterest expense | 2,173,000 | 4,394,000 | 6,689,000 | 9,048,000 |
| Provision for loan losses | 75,000 | 120,000 | 150,000 | 205,000 |
| Pretax income | 1,209,000 | 2,639,000 | 3,987,000 | 5,174,000 |
| Income tax | 58,000 | 128,000 | 191,000 | 191,000 |
| Net income | 1,151,000 | 2,511,000 | 3,796,000 | 4,983,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,738,000 | 37,683,000 | 38,283,000 | 38,607,000 |
| Total capital | 39,983,000 | 40,999,000 | 41,741,000 | 42,102,000 |
| Risk-weighted assets | 259,521,000 | 265,003,000 | 276,409,000 | 279,540,000 |