Call reports 2006
MERCANTILE SOUTHERN MARYLAND BANK — 2006
What MERCANTILE SOUTHERN MARYLAND BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 974,171,000 | 996,403,000 | 1,012,683,000 | 1,022,288,000 |
| Total loans | 644,653,000 | 677,926,000 | 702,539,000 | 715,521,000 |
| Allowance for loan losses | 6,752,000 | 6,739,000 | 6,657,000 | 6,636,000 |
| Securities available for sale | 268,755,000 | 266,556,000 | 266,795,000 | 263,520,000 |
| Securities held to maturity | 585,000 | 585,000 | 540,000 | 540,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 829,152,000 | 836,981,000 | 839,497,000 | 834,471,000 |
| Interest-bearing deposits | 564,402,000 | 578,207,000 | 592,393,000 | 594,140,000 |
| Noninterest-bearing deposits | 264,750,000 | 258,774,000 | 247,104,000 | 240,331,000 |
| Equity capital | 90,603,000 | 90,578,000 | 93,039,000 | 94,362,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 13,043,000 | 27,115,000 | 41,960,000 | 57,491,000 |
| Interest expense | 2,755,000 | 6,226,000 | 10,284,000 | 14,927,000 |
| Net interest income | 10,288,000 | 20,889,000 | 31,676,000 | 42,564,000 |
| Noninterest income | 1,991,000 | 4,156,000 | 6,393,000 | 10,252,000 |
| Noninterest expense | 5,223,000 | 10,369,000 | 15,451,000 | 20,400,000 |
| Provision for loan losses | -513,000 | -513,000 | -513,000 | -513,000 |
| Pretax income | 7,569,000 | 15,189,000 | 23,131,000 | 32,934,000 |
| Income tax | 2,821,000 | 5,663,000 | 8,625,000 | 12,198,000 |
| Net income | 4,748,000 | 9,526,000 | 14,506,000 | 20,736,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 94,802,000 | 95,251,000 | 95,858,000 | 96,625,000 |
| Total capital | 131,567,000 | 132,077,000 | 132,791,000 | 133,537,000 |
| Risk-weighted assets | 652,702,000 | 679,647,000 | 697,608,000 | 707,690,000 |
Machine access — free, no API key
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