Call reports 2002
MERCHANTS & SOUTHERN BANK — 2002
What MERCHANTS & SOUTHERN BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 158,385,000 | 162,104,000 | 170,721,000 | 179,050,000 |
| Total loans | 100,688,000 | 102,894,000 | 103,325,000 | 109,674,000 |
| Allowance for loan losses | 908,000 | 941,000 | 972,000 | 1,000,000 |
| Securities available for sale | 37,541,000 | 38,535,000 | 46,911,000 | 53,765,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 129,153,000 | 131,301,000 | 139,882,000 | 141,983,000 |
| Interest-bearing deposits | 93,349,000 | 93,665,000 | 99,500,000 | 99,458,000 |
| Noninterest-bearing deposits | 35,804,000 | 37,636,000 | 40,382,000 | 42,525,000 |
| Equity capital | 11,251,000 | 12,407,000 | 12,987,000 | 13,441,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 2,345,000 | 4,778,000 | 7,162,000 | 9,531,000 |
| Interest expense | 523,000 | 1,041,000 | 1,583,000 | 2,093,000 |
| Net interest income | 1,822,000 | 3,737,000 | 5,579,000 | 7,438,000 |
| Noninterest income | 650,000 | 1,310,000 | 2,030,000 | 2,757,000 |
| Noninterest expense | 1,675,000 | 3,474,000 | 5,430,000 | 7,372,000 |
| Provision for loan losses | 97,000 | 130,000 | 161,000 | 200,000 |
| Pretax income | 700,000 | 1,443,000 | 2,110,000 | 2,715,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 700,000 | 1,443,000 | 2,110,000 | 2,715,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,707,000 | 12,037,000 | 12,336,000 | 12,677,000 |
| Total capital | 12,615,000 | 12,978,000 | 13,308,000 | 13,677,000 |
| Risk-weighted assets | 106,360,000 | 109,175,000 | 110,129,000 | 116,365,000 |
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