Call reports 2004
MERCANTILE SOUTHERN MARYLAND BANK — 2004
What MERCANTILE SOUTHERN MARYLAND BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 267,917,000 | 270,017,000 | 936,808,000 | 927,859,000 |
| Total loans | 157,941,000 | 156,616,000 | 542,448,000 | 552,510,000 |
| Allowance for loan losses | 2,692,000 | 2,680,000 | 9,096,000 | 9,058,000 |
| Securities available for sale | 98,583,000 | 97,566,000 | 345,440,000 | 342,522,000 |
| Securities held to maturity | 615,000 | 490,000 | 675,000 | 605,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 233,476,000 | 236,635,000 | 797,563,000 | 778,303,000 |
| Interest-bearing deposits | 159,095,000 | 159,797,000 | 561,444,000 | 546,954,000 |
| Noninterest-bearing deposits | 74,381,000 | 76,838,000 | 236,119,000 | 231,349,000 |
| Equity capital | 26,618,000 | 25,186,000 | 93,462,000 | 93,885,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 3,594,000 | 7,133,000 | 35,179,000 | 47,141,000 |
| Interest expense | 282,000 | 551,000 | 3,736,000 | 5,154,000 |
| Net interest income | 3,312,000 | 6,582,000 | 31,443,000 | 41,987,000 |
| Noninterest income | 790,000 | 1,647,000 | 6,251,000 | 8,495,000 |
| Noninterest expense | 1,654,000 | 3,235,000 | 14,629,000 | 19,718,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 2,448,000 | 4,994,000 | 23,065,000 | 30,764,000 |
| Income tax | 892,000 | 1,815,000 | 8,516,000 | 11,319,000 |
| Net income | 1,556,000 | 3,179,000 | 14,549,000 | 19,445,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,938,000 | 24,953,000 | 92,597,000 | 94,010,000 |
| Total capital | 29,132,000 | 29,148,000 | 128,917,000 | 130,406,000 |
| Risk-weighted assets | 150,695,000 | 150,792,000 | 542,672,000 | 548,527,000 |
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