Call reports 2012
MERCHANTS BANK AND TRUST COMPANY, THE — 2012
What MERCHANTS BANK AND TRUST COMPANY, THE reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 212,801,000 | 219,301,000 | 215,320,000 | 224,752,000 |
| Total loans | 161,728,000 | 175,411,000 | 173,004,000 | 182,685,000 |
| Allowance for loan losses | 2,459,000 | 2,455,000 | 2,853,000 | 2,553,000 |
| Securities available for sale | 29,184,000 | 27,668,000 | 24,334,000 | 29,421,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 183,931,000 | 180,944,000 | 183,569,000 | 192,679,000 |
| Interest-bearing deposits | 151,732,000 | 149,212,000 | 151,243,000 | 157,300,000 |
| Noninterest-bearing deposits | 32,199,000 | 31,732,000 | 32,326,000 | 35,379,000 |
| Equity capital | 22,404,000 | 22,781,000 | 23,228,000 | 23,534,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 2,302,000 | 4,595,000 | 6,927,000 | 9,289,000 |
| Interest expense | 300,000 | 575,000 | 844,000 | 1,102,000 |
| Net interest income | 2,002,000 | 4,020,000 | 6,083,000 | 8,187,000 |
| Noninterest income | 435,000 | 878,000 | 1,372,000 | 1,932,000 |
| Noninterest expense | 1,716,000 | 3,385,000 | 5,119,000 | 6,937,000 |
| Provision for loan losses | 152,000 | 522,000 | 925,000 | 1,347,000 |
| Pretax income | 645,000 | 1,081,000 | 1,749,000 | 2,173,000 |
| Income tax | 202,000 | 322,000 | 526,000 | 617,000 |
| Net income | 443,000 | 759,000 | 1,223,000 | 1,556,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,938,000 | 22,154,000 | 22,618,000 | 22,950,000 |
| Total capital | 23,741,000 | 24,093,000 | 24,535,000 | 24,985,000 |
| Risk-weighted assets | 143,586,000 | 154,606,000 | 152,402,000 | 162,268,000 |