Call reports 2005
MERCHANTS & SOUTHERN BANK — 2005
What MERCHANTS & SOUTHERN 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 | 250,649,000 | 267,232,000 | 269,210,000 | 280,435,000 |
| Total loans | 156,007,000 | 165,734,000 | 178,226,000 | 192,515,000 |
| Allowance for loan losses | 1,357,000 | 1,452,000 | 1,527,000 | 1,616,000 |
| Securities available for sale | 75,917,000 | 73,414,000 | 67,987,000 | 67,833,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 194,621,000 | 213,997,000 | 220,150,000 | 234,789,000 |
| Interest-bearing deposits | 125,597,000 | 140,643,000 | 144,294,000 | 150,379,000 |
| Noninterest-bearing deposits | 69,024,000 | 73,355,000 | 75,856,000 | 84,410,000 |
| Equity capital | 17,120,000 | 19,050,000 | 18,775,000 | 18,923,000 |
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 | 3,000,000 | 6,279,000 | 9,794,000 | 13,648,000 |
| Interest expense | 612,000 | 1,295,000 | 2,106,000 | 3,061,000 |
| Net interest income | 2,388,000 | 4,984,000 | 7,688,000 | 10,587,000 |
| Noninterest income | 611,000 | 1,236,000 | 1,850,000 | 2,400,000 |
| Noninterest expense | 2,211,000 | 4,549,000 | 6,851,000 | 9,255,000 |
| Provision for loan losses | 86,000 | 181,000 | 256,000 | 347,000 |
| Pretax income | 702,000 | 1,490,000 | 2,431,000 | 3,385,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 702,000 | 1,490,000 | 2,431,000 | 3,385,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,425,000 | 19,857,000 | 20,374,000 | 20,903,000 |
| Total capital | 20,782,000 | 21,309,000 | 21,901,000 | 22,519,000 |
| Risk-weighted assets | 170,199,000 | 182,964,000 | 194,841,000 | 211,419,000 |
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