Call reports 2005
MERCANTILE COUNTY BANK — 2005
What MERCANTILE COUNTY BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 846,742,000 | 893,170,000 | 911,652,000 | 940,519,000 |
| Total loans | 697,424,000 | 741,579,000 | 761,656,000 | 783,039,000 |
| Allowance for loan losses | 9,257,000 | 9,249,000 | 9,332,000 | 9,539,000 |
| Securities available for sale | 110,606,000 | 106,281,000 | 108,017,000 | 111,809,000 |
| Securities held to maturity | 1,749,000 | 1,669,000 | 1,670,000 | 1,670,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 684,738,000 | 718,615,000 | 729,580,000 | 728,807,000 |
| Interest-bearing deposits | 456,846,000 | 474,594,000 | 497,231,000 | 507,439,000 |
| Noninterest-bearing deposits | 227,892,000 | 244,021,000 | 232,349,000 | 221,368,000 |
| Equity capital | 77,165,000 | 78,822,000 | 79,570,000 | 80,939,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 11,955,000 | 24,642,000 | 38,113,000 | 52,032,000 |
| Interest expense | 2,169,000 | 4,672,000 | 7,747,000 | 11,308,000 |
| Net interest income | 9,786,000 | 19,970,000 | 30,366,000 | 40,724,000 |
| Noninterest income | 1,443,000 | 2,980,000 | 4,632,000 | 6,200,000 |
| Noninterest expense | 4,547,000 | 9,330,000 | 13,986,000 | 18,345,000 |
| Provision for loan losses | 0 | 250,000 | 570,000 | 820,000 |
| Pretax income | 6,682,000 | 13,370,000 | 20,442,000 | 27,759,000 |
| Income tax | 2,558,000 | 5,119,000 | 7,827,000 | 10,515,000 |
| Net income | 4,124,000 | 8,251,000 | 12,615,000 | 17,244,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 73,430,000 | 74,652,000 | 75,896,000 | 77,489,000 |
| Total capital | 111,077,000 | 112,789,000 | 114,213,000 | 116,005,000 |
| Risk-weighted assets | 658,552,000 | 697,568,000 | 712,808,000 | 728,884,000 |