Call reports 2004
MERCHANTS & SOUTHERN BANK — 2004
What MERCHANTS & SOUTHERN BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 215,135,000 | 220,556,000 | 228,865,000 | 236,692,000 |
| Total loans | 128,033,000 | 128,965,000 | 133,668,000 | 141,791,000 |
| Allowance for loan losses | 1,190,000 | 1,216,000 | 1,243,000 | 1,271,000 |
| Securities available for sale | 65,342,000 | 75,254,000 | 77,994,000 | 78,788,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 165,162,000 | 180,500,000 | 182,710,000 | 181,925,000 |
| Interest-bearing deposits | 109,783,000 | 119,652,000 | 120,052,000 | 112,141,000 |
| Noninterest-bearing deposits | 55,379,000 | 60,848,000 | 62,658,000 | 69,784,000 |
| Equity capital | 15,010,000 | 12,676,000 | 14,987,000 | 15,292,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 2,469,000 | 4,998,000 | 7,682,000 | 10,546,000 |
| Interest expense | 380,000 | 761,000 | 1,187,000 | 1,710,000 |
| Net interest income | 2,089,000 | 4,237,000 | 6,495,000 | 8,836,000 |
| Noninterest income | 645,000 | 1,242,000 | 1,867,000 | 2,423,000 |
| Noninterest expense | 2,157,000 | 4,264,000 | 6,330,000 | 8,466,000 |
| Provision for loan losses | 16,000 | 42,000 | 70,000 | 97,000 |
| Pretax income | 564,000 | 1,176,000 | 1,965,000 | 2,700,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 564,000 | 1,176,000 | 1,965,000 | 2,700,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,668,000 | 15,043,000 | 15,546,000 | 15,984,000 |
| Total capital | 15,858,000 | 16,259,000 | 16,789,000 | 17,255,000 |
| Risk-weighted assets | 138,594,000 | 142,952,000 | 151,025,000 | 159,669,000 |
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