Call reports 2006
MERCHANTS BANK OF ALABAMA — 2006
What MERCHANTS BANK OF ALABAMA reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 195,076,000 | 196,456,000 | 206,644,000 | 204,304,000 |
| Total loans | 148,141,000 | 156,690,000 | 159,417,000 | 162,389,000 |
| Allowance for loan losses | 1,981,000 | 2,125,000 | 2,313,000 | 2,325,000 |
| Securities available for sale | 26,761,000 | 26,159,000 | 26,552,000 | 26,523,000 |
| Securities held to maturity | 785,000 | 259,000 | 234,000 | 208,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 167,523,000 | 168,467,000 | 177,804,000 | 173,835,000 |
| Interest-bearing deposits | 141,656,000 | 143,032,000 | 150,964,000 | 148,148,000 |
| Noninterest-bearing deposits | 25,867,000 | 25,435,000 | 26,840,000 | 25,687,000 |
| Equity capital | 15,597,000 | 15,956,000 | 16,747,000 | 17,294,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 3,035,000 | 6,387,000 | 9,916,000 | 13,540,000 |
| Interest expense | 1,177,000 | 2,473,000 | 3,967,000 | 5,526,000 |
| Net interest income | 1,858,000 | 3,914,000 | 5,949,000 | 8,014,000 |
| Noninterest income | 438,000 | 897,000 | 1,332,000 | 1,728,000 |
| Noninterest expense | 1,493,000 | 3,031,000 | 4,602,000 | 6,182,000 |
| Provision for loan losses | 165,000 | 345,000 | 540,000 | 675,000 |
| Pretax income | 638,000 | 1,435,000 | 2,139,000 | 2,885,000 |
| Income tax | 198,000 | 454,000 | 678,000 | 878,000 |
| Net income | 440,000 | 981,000 | 1,461,000 | 2,007,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,843,000 | 16,383,000 | 16,862,000 | 17,410,000 |
| Total capital | 17,650,000 | 18,173,000 | 18,800,000 | 19,338,000 |
| Risk-weighted assets | 144,360,000 | 142,881,000 | 154,674,000 | 158,460,000 |
Machine access — free, no API key
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