Call reports 2006
MERCHANTS & SOUTHERN BANK — 2006
What MERCHANTS & SOUTHERN BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 292,427,000 | 312,716,000 | 319,422,000 | 320,582,000 |
| Total loans | 207,856,000 | 225,310,000 | 232,001,000 | 226,883,000 |
| Allowance for loan losses | 1,841,000 | 2,008,000 | 2,088,000 | 2,078,000 |
| Securities available for sale | 68,158,000 | 66,136,000 | 67,403,000 | 68,541,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 243,536,000 | 250,206,000 | 259,176,000 | 260,495,000 |
| Interest-bearing deposits | 165,098,000 | 174,320,000 | 183,365,000 | 190,178,000 |
| Noninterest-bearing deposits | 78,438,000 | 75,886,000 | 75,811,000 | 70,317,000 |
| Equity capital | 21,638,000 | 21,280,000 | 23,483,000 | 24,246,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 4,160,000 | 8,880,000 | 13,923,000 | 19,031,000 |
| Interest expense | 1,228,000 | 2,763,000 | 4,598,000 | 6,597,000 |
| Net interest income | 2,932,000 | 6,117,000 | 9,325,000 | 12,434,000 |
| Noninterest income | 560,000 | 1,087,000 | 1,597,000 | 2,083,000 |
| Noninterest expense | 2,394,000 | 4,880,000 | 7,428,000 | 9,957,000 |
| Provision for loan losses | 225,000 | 392,000 | 472,000 | 458,000 |
| Pretax income | 873,000 | 1,932,000 | 3,022,000 | 4,102,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 873,000 | 1,932,000 | 3,022,000 | 4,102,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,381,000 | 24,940,000 | 25,484,000 | 26,023,000 |
| Total capital | 26,222,000 | 26,948,000 | 27,572,000 | 28,101,000 |
| Risk-weighted assets | 221,815,000 | 240,456,000 | 249,606,000 | 241,932,000 |
Machine access — free, no API key
Every figure shown here about MERCHANTS & SOUTHERN BANK — 2006 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 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.