Call report 2008Q4
MERCHANTS & SOUTHERN BANK — 2008Q4
The 22 measures MERCHANTS & SOUTHERN BANK reported to the FFIEC for 2008Q4, each linked to its source filing.
Balance sheet
What the bank holds and owes at quarter end
| Measure | Value | Unit | Source |
|---|---|---|---|
| Total assets | 384,248,000 | USD | evidence → |
| Total loans | 283,910,000 | USD | evidence → |
| Allowance for loan losses | 2,573,000 | USD | evidence → |
| Securities available for sale | 75,850,000 | USD | evidence → |
| Securities held to maturity | 940,000 | USD | evidence → |
| Trading assets | 0 | USD | evidence → |
| Total deposits | 298,350,000 | USD | evidence → |
| Interest-bearing deposits | 236,799,000 | USD | evidence → |
| Noninterest-bearing deposits | 61,551,000 | USD | evidence → |
| Equity capital | 32,543,000 | USD | evidence → |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | Value | Unit | Source |
|---|---|---|---|
| Interest income | 21,201,000 | USD | evidence → |
| Interest expense | 7,314,000 | USD | evidence → |
| Net interest income | 13,887,000 | USD | evidence → |
| Noninterest income | 2,122,000 | USD | evidence → |
| Noninterest expense | 10,960,000 | USD | evidence → |
| Provision for loan losses | 963,000 | USD | evidence → |
| Pretax income | 4,070,000 | USD | evidence → |
| Income tax | 0 | USD | evidence → |
| Net income | 4,070,000 | USD | evidence → |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | Value | Unit | Source |
|---|---|---|---|
| Tier 1 capital | 31,121,000 | USD | evidence → |
| Total capital | 33,694,000 | USD | evidence → |
| Risk-weighted assets | 303,480,000 | USD | evidence → |