Call reports 2012
MERCHANTS & SOUTHERN BANK — 2012
What MERCHANTS & SOUTHERN BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 420,992,000 | 426,566,000 | 402,513,000 | 432,816,000 |
| Total loans | 235,793,000 | 240,868,000 | 228,780,000 | 226,116,000 |
| Allowance for loan losses | 5,702,000 | 5,690,000 | 6,082,000 | 5,217,000 |
| Securities available for sale | 124,437,000 | 121,188,000 | 129,496,000 | 126,303,000 |
| Securities held to maturity | 3,018,000 | 3,259,000 | 2,252,000 | 3,008,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 322,276,000 | 326,863,000 | 325,794,000 | 320,857,000 |
| Interest-bearing deposits | 242,062,000 | 245,336,000 | 240,663,000 | 235,468,000 |
| Noninterest-bearing deposits | 80,214,000 | 81,527,000 | 85,131,000 | 85,388,000 |
| Equity capital | 35,788,000 | 36,989,000 | 38,548,000 | 38,851,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 3,644,000 | 7,307,000 | 10,907,000 | 14,432,000 |
| Interest expense | 504,000 | 969,000 | 1,387,000 | 1,751,000 |
| Net interest income | 3,140,000 | 6,338,000 | 9,520,000 | 12,681,000 |
| Noninterest income | 343,000 | 638,000 | 840,000 | 681,000 |
| Noninterest expense | 2,712,000 | 5,469,000 | 8,149,000 | 10,800,000 |
| Provision for loan losses | 167,000 | 167,000 | 167,000 | 167,000 |
| Pretax income | 653,000 | 1,389,000 | 2,131,000 | 2,482,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 653,000 | 1,389,000 | 2,131,000 | 2,482,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,497,000 | 34,233,000 | 34,975,000 | 35,326,000 |
| Total capital | 36,800,000 | 37,583,000 | 38,169,000 | 38,601,000 |
| Risk-weighted assets | 261,819,000 | 265,684,000 | 252,616,000 | 259,940,000 |