Call reports 2003
MERCHANTS & SOUTHERN BANK — 2003
What MERCHANTS & SOUTHERN BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 179,839,000 | 196,687,000 | 195,831,000 | 197,113,000 |
| Total loans | 113,696,000 | 114,782,000 | 113,772,000 | 116,387,000 |
| Allowance for loan losses | 1,046,000 | 1,076,000 | 1,090,000 | 1,173,000 |
| Securities available for sale | 47,199,000 | 56,556,000 | 68,070,000 | 65,954,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 144,294,000 | 160,607,000 | 154,187,000 | 152,219,000 |
| Interest-bearing deposits | 101,040,000 | 110,363,000 | 104,075,000 | 100,172,000 |
| Noninterest-bearing deposits | 43,254,000 | 50,244,000 | 50,112,000 | 52,047,000 |
| Equity capital | 13,652,000 | 14,054,000 | 13,030,000 | 13,567,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 2,364,000 | 4,608,000 | 6,883,000 | 9,312,000 |
| Interest expense | 455,000 | 874,000 | 1,268,000 | 1,650,000 |
| Net interest income | 1,909,000 | 3,734,000 | 5,615,000 | 7,662,000 |
| Noninterest income | 773,000 | 1,549,000 | 2,219,000 | 2,800,000 |
| Noninterest expense | 1,970,000 | 3,982,000 | 5,853,000 | 7,711,000 |
| Provision for loan losses | 46,000 | 76,000 | 90,000 | 175,000 |
| Pretax income | 667,000 | 1,208,000 | 2,070,000 | 2,755,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 667,000 | 1,208,000 | 2,070,000 | 2,755,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,091,000 | 13,394,000 | 13,973,000 | 14,439,000 |
| Total capital | 14,137,000 | 14,470,000 | 15,063,000 | 15,612,000 |
| Risk-weighted assets | 120,603,000 | 126,457,000 | 124,295,000 | 125,467,000 |
Machine access — free, no API key
Every figure shown here about MERCHANTS & SOUTHERN BANK — 2003 can also be queried live: FACTANKER runs an MCP server at https://factanker.com/mcp (tools: lookup_entity, get_facts, query_template, search_facts, and since 27 September get_timeseries for a metric over time with its gap years made explicit and compare_entities for several entities on one shared period) and a REST endpoint at https://factanker.com/api/get_facts. Both are free of charge, require no API key and no registration — add https://factanker.com/mcp as a connector in Claude, ChatGPT or Copilot. Every answer carries its source document and a citation reference. Setup: /quickstart.