Call reports 2010
PUTNAM 1ST MERCANTILE BANK — 2010
What PUTNAM 1ST MERCANTILE BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 83,349,000 | 81,559,000 | 85,101,000 | 87,386,000 |
| Total loans | 63,564,000 | 63,409,000 | 62,160,000 | 62,871,000 |
| Allowance for loan losses | 843,000 | 938,000 | 925,000 | 846,000 |
| Securities available for sale | 13,129,000 | 11,589,000 | 13,176,000 | 16,208,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 72,474,000 | 71,023,000 | 74,416,000 | 77,526,000 |
| Interest-bearing deposits | 68,286,000 | 66,788,000 | 69,521,000 | 73,368,000 |
| Noninterest-bearing deposits | 4,189,000 | 4,235,000 | 4,895,000 | 4,158,000 |
| Equity capital | 9,805,000 | 10,130,000 | 10,270,000 | 9,479,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,100,000 | 2,250,000 | 3,322,000 | 4,462,000 |
| Interest expense | 391,000 | 749,000 | 1,073,000 | 1,429,000 |
| Net interest income | 709,000 | 1,501,000 | 2,249,000 | 3,033,000 |
| Noninterest income | 275,000 | 351,000 | 427,000 | 505,000 |
| Noninterest expense | 614,000 | 1,256,000 | 1,883,000 | 2,554,000 |
| Provision for loan losses | 218,000 | 299,000 | 353,000 | 685,000 |
| Pretax income | 158,000 | 303,000 | 446,000 | 305,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 158,000 | 303,000 | 446,000 | 305,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,805,000 | 9,985,000 | 10,130,000 | 9,992,000 |
| Total capital | 10,620,000 | 10,793,000 | 10,957,000 | 10,835,000 |
| Risk-weighted assets | 65,163,000 | 64,495,000 | 66,062,000 | 67,418,000 |
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