Call reports 2015
MERCHANTS & SOUTHERN BANK — 2015
What MERCHANTS & SOUTHERN BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 |
|---|---|
| Total assets | 439,810,000 |
| Total loans | 200,078,000 |
| Allowance for loan losses | 3,359,000 |
| Securities available for sale | 168,357,000 |
| Securities held to maturity | 2,650,000 |
| Trading assets | 0 |
| Total deposits | 356,546,000 |
| Interest-bearing deposits | 234,861,000 |
| Noninterest-bearing deposits | 121,685,000 |
| Equity capital | 46,121,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 |
|---|---|
| Interest income | 3,430,000 |
| Interest expense | 234,000 |
| Net interest income | 3,196,000 |
| Noninterest income | 446,000 |
| Noninterest expense | 2,539,000 |
| Provision for loan losses | 0 |
| Pretax income | 1,103,000 |
| Income tax | 0 |
| Net income | 1,103,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 |
|---|---|
| Tier 1 capital | 44,315,000 |
| Total capital | 47,674,000 |
| Risk-weighted assets | 291,967,000 |