Call reports 2005
MERCANTILE SOUTHERN MARYLAND BANK — 2005
What MERCANTILE SOUTHERN MARYLAND BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 976,291,000 | 966,507,000 | 959,735,000 | 942,090,000 |
| Total loans | 614,027,000 | 612,307,000 | 618,300,000 | 615,244,000 |
| Allowance for loan losses | 9,025,000 | 7,888,000 | 7,212,000 | 7,244,000 |
| Securities available for sale | 328,621,000 | 312,943,000 | 299,456,000 | 282,701,000 |
| Securities held to maturity | 600,000 | 585,000 | 585,000 | 585,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 803,789,000 | 817,704,000 | 803,522,000 | 796,108,000 |
| Interest-bearing deposits | 556,960,000 | 572,239,000 | 553,112,000 | 543,739,000 |
| Noninterest-bearing deposits | 246,829,000 | 245,465,000 | 250,410,000 | 252,369,000 |
| Equity capital | 92,971,000 | 96,634,000 | 91,689,000 | 91,071,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 12,375,000 | 25,474,000 | 38,743,000 | 52,168,000 |
| Interest expense | 1,619,000 | 3,475,000 | 5,603,000 | 7,976,000 |
| Net interest income | 10,756,000 | 21,999,000 | 33,140,000 | 44,192,000 |
| Noninterest income | 2,037,000 | 4,190,000 | 6,388,000 | 8,561,000 |
| Noninterest expense | 4,500,000 | 9,295,000 | 14,126,000 | 18,593,000 |
| Provision for loan losses | 0 | -1,050,000 | -1,750,000 | -1,750,000 |
| Pretax income | 8,293,000 | 17,944,000 | 27,152,000 | 35,910,000 |
| Income tax | 3,145,000 | 6,829,000 | 10,288,000 | 13,578,000 |
| Net income | 5,148,000 | 11,115,000 | 16,864,000 | 22,332,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 95,697,000 | 97,901,000 | 94,474,000 | 94,717,000 |
| Total capital | 132,786,000 | 135,022,000 | 131,186,000 | 131,461,000 |
| Risk-weighted assets | 605,691,000 | 607,709,000 | 619,839,000 | 620,898,000 |
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