Call reports 2001
MERCANTILE SOUTHERN MARYLAND BANK — 2001
What MERCANTILE SOUTHERN MARYLAND BANK reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 211,624,000 | 214,646,000 | 227,443,000 | 227,873,000 |
| Total loans | 133,059,000 | 134,636,000 | 137,243,000 | 136,857,000 |
| Allowance for loan losses | 2,516,000 | 2,506,000 | 2,515,000 | 2,562,000 |
| Securities available for sale | 58,786,000 | 65,943,000 | 75,625,000 | 77,888,000 |
| Securities held to maturity | 450,000 | 450,000 | 450,000 | 450,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 186,237,000 | 189,006,000 | 198,936,000 | 200,610,000 |
| Interest-bearing deposits | 133,408,000 | 136,101,000 | 143,875,000 | 145,153,000 |
| Noninterest-bearing deposits | 52,829,000 | 52,905,000 | 55,061,000 | 55,457,000 |
| Equity capital | 22,685,000 | 22,928,000 | 24,344,000 | 24,479,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 3,852,000 | 7,830,000 | 11,822,000 | 15,748,000 |
| Interest expense | 1,161,000 | 2,335,000 | 3,437,000 | 4,345,000 |
| Net interest income | 2,691,000 | 5,495,000 | 8,385,000 | 11,403,000 |
| Noninterest income | 630,000 | 1,281,000 | 1,982,000 | 2,694,000 |
| Noninterest expense | 1,358,000 | 2,782,000 | 4,285,000 | 5,745,000 |
| Provision for loan losses | 0 | 51,000 | 101,000 | 202,000 |
| Pretax income | 1,963,000 | 3,943,000 | 5,981,000 | 8,150,000 |
| Income tax | 667,000 | 1,352,000 | 2,064,000 | 2,832,000 |
| Net income | 1,296,000 | 2,591,000 | 3,917,000 | 5,318,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,832,000 | 22,199,000 | 22,608,000 | 23,101,000 |
| Total capital | 23,309,000 | 23,696,000 | 24,129,000 | 24,611,000 |
| Risk-weighted assets | 117,138,000 | 118,742,000 | 120,675,000 | 119,763,000 |
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