Call reports 2007
MERCANTILE SOUTHERN MARYLAND BANK — 2007
What MERCANTILE SOUTHERN MARYLAND BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 |
|---|---|---|
| Total assets | 1,018,082,000 | 1,034,271,000 |
| Total loans | 723,873,000 | 732,895,000 |
| Allowance for loan losses | 6,585,000 | 6,531,000 |
| Securities available for sale | 232,860,000 | 229,295,000 |
| Securities held to maturity | 542,000 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 855,490,000 | 875,596,000 |
| Interest-bearing deposits | 602,571,000 | 620,564,000 |
| Noninterest-bearing deposits | 252,919,000 | 255,032,000 |
| Equity capital | 94,014,000 | 97,084,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 |
|---|---|---|
| Interest income | 15,639,000 | 31,894,000 |
| Interest expense | 4,839,000 | 9,640,000 |
| Net interest income | 10,800,000 | 22,254,000 |
| Noninterest income | 2,236,000 | 4,806,000 |
| Noninterest expense | 5,427,000 | 10,701,000 |
| Provision for loan losses | 0 | 0 |
| Pretax income | 7,610,000 | 16,387,000 |
| Income tax | 2,839,000 | 6,158,000 |
| Net income | 4,771,000 | 10,229,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 |
|---|---|---|
| Tier 1 capital | 96,972,000 | 102,391,000 |
| Total capital | 133,833,000 | 139,118,000 |
| Risk-weighted assets | 774,228,000 | 789,464,000 |
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