Call reports 2013
MERCHANTS BANK OF ALABAMA — 2013
What MERCHANTS BANK OF ALABAMA reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 247,097,000 | 247,001,000 | 245,518,000 | 246,084,000 |
| Total loans | 158,992,000 | 156,209,000 | 156,268,000 | 152,556,000 |
| Allowance for loan losses | 2,531,000 | 2,411,000 | 2,281,000 | 2,294,000 |
| Securities available for sale | 43,182,000 | 47,386,000 | 51,962,000 | 52,813,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 223,906,000 | 223,723,000 | 222,702,000 | 222,404,000 |
| Interest-bearing deposits | 216,514,000 | 215,457,000 | 215,108,000 | 214,527,000 |
| Noninterest-bearing deposits | 7,392,000 | 8,266,000 | 7,594,000 | 7,877,000 |
| Equity capital | 22,133,000 | 22,121,000 | 21,760,000 | 22,395,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 2,352,000 | 4,736,000 | 7,094,000 | 9,492,000 |
| Interest expense | 270,000 | 526,000 | 777,000 | 1,025,000 |
| Net interest income | 2,082,000 | 4,210,000 | 6,317,000 | 8,467,000 |
| Noninterest income | 532,000 | 880,000 | 1,382,000 | 2,102,000 |
| Noninterest expense | 1,945,000 | 3,896,000 | 5,877,000 | 7,910,000 |
| Provision for loan losses | 231,000 | 462,000 | 888,000 | 1,042,000 |
| Pretax income | 438,000 | 732,000 | 934,000 | 1,617,000 |
| Income tax | 101,000 | 135,000 | 152,000 | 382,000 |
| Net income | 337,000 | 597,000 | 782,000 | 1,235,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,720,000 | 21,975,000 | 22,159,000 | 22,613,000 |
| Total capital | 23,776,000 | 24,005,000 | 24,190,000 | 24,602,000 |
| Risk-weighted assets | 164,043,000 | 162,005,000 | 162,230,000 | 158,775,000 |
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