401k Plan data: O NEIL COMPANIES 401(K) SAVINGS PLAN plan

O NEIL COMPANIES 401(K) SAVINGS PLAN 401k Plan overview

Plan Name	O NEIL COMPANIES 401(K) SAVINGS PLAN
Plan identification number	001

O NEIL COMPANIES 401(K) SAVINGS PLAN Benefits

401k Plan Type

Defined Contribution Pension

Plan Features/Benefits

Profit-sharing
ERISA section 404(c) Plan - This plan, or any part of it is intended to meet the conditions of 29 CFR 2550.404c-1.
Total participant-directed account plan - Participants have the opportunity to direct the investment of all the assets allocated to their individual accounts, regardless of whether 29 CFR 2550.404c-1 is intended to be met.
Code section 401(k) feature - A cash or deferred arrangement described in Code section 401(k) that is part of a qualified defined contribution plan that provides for an election by employees to defer part of their compensation or receive these amounts in cash.
Code section 401(m) arrangement - Employee contributions are allocated to separate accounts under the plan or employer contributions are based, in whole or in part, on employee deferrals or contribtions to the plan. Not applicable if plan is 401(k) plan with only QNECs and/or QMACs. Also not applicable if Code section 403(b)(1), 403(b)(7) or 408 arrangements/accounts/annuities.
Plan sponsor(s) is (are) a member(s) of a controlled group (Code sections 414(b), (c), or (m)).

401k Sponsoring company profile

MERCHANTS & SOUTHERN BANK has sponsored the creation of one or more 401k plans.

Company Name: MERCHANTS & SOUTHERN BANK

Employer identification number (EIN): 590874267

NAIC Classification: 522110
NAIC Description: Commercial Banking

Form 5500 Filing Information

Submission information for form 5500 for 401k plan O NEIL COMPANIES 401(K) SAVINGS PLAN

Plan id# Filing Submission Date Name of Administrator Date Administrator Signed Name of Company Sponsor Date Sponsor Signed
001 2012-01-01 TERESA KELLY
001 2011-01-01 TERESA KELLY
001 2009-01-01 TERESA KELLY TERESA KELLY 2010-08-23

Plan id#	Filing Submission Date	Name of Administrator	Name of Company Sponsor	Date Sponsor Signed
001	2012-01-01	TERESA KELLY
001	2011-01-01	TERESA KELLY
001	2009-01-01	TERESA KELLY	TERESA KELLY	2010-08-23

Plan Statistics for O NEIL COMPANIES 401(K) SAVINGS PLAN

401k plan membership statisitcs for O NEIL COMPANIES 401(K) SAVINGS PLAN

Measure Date Value
2012: O NEIL COMPANIES 401(K) SAVINGS PLAN 2012 401k membership
Total participants, beginning-of-year 2012-01-01 156
Total number of active participants reported on line 7a of the Form 5500 2012-01-01 134
Number of retired or separated participants receiving benefits 2012-01-01 0
Number of other retired or separated participants entitled to future benefits 2012-01-01 19
Total of all active and inactive participants 2012-01-01 153
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2012-01-01 0
Total participants 2012-01-01 153
Number of participants with account balances 2012-01-01 96
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2012-01-01 6
2011: O NEIL COMPANIES 401(K) SAVINGS PLAN 2011 401k membership
Total participants, beginning-of-year 2011-01-01 159
Total number of active participants reported on line 7a of the Form 5500 2011-01-01 126
Number of retired or separated participants receiving benefits 2011-01-01 0
Number of other retired or separated participants entitled to future benefits 2011-01-01 14
Total of all active and inactive participants 2011-01-01 140
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2011-01-01 0
Total participants 2011-01-01 140
Number of participants with account balances 2011-01-01 94
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2011-01-01 33
2009: O NEIL COMPANIES 401(K) SAVINGS PLAN 2009 401k membership
Total participants, beginning-of-year 2009-01-01 159
Total number of active participants reported on line 7a of the Form 5500 2009-01-01 151
Number of retired or separated participants receiving benefits 2009-01-01 0
Number of other retired or separated participants entitled to future benefits 2009-01-01 15
Total of all active and inactive participants 2009-01-01 166
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2009-01-01 0
Total participants 2009-01-01 166
Number of participants with account balances 2009-01-01 100
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2009-01-01 6

Measure	Date	Value
2012: O NEIL COMPANIES 401(K) SAVINGS PLAN 2012 401k membership
Total participants, beginning-of-year	2012-01-01	156
Total number of active participants reported on line 7a of the Form 5500	2012-01-01	134
Number of retired or separated participants receiving benefits	2012-01-01	0
Number of other retired or separated participants entitled to future benefits	2012-01-01	19
Total of all active and inactive participants	2012-01-01	153
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2012-01-01	0
Total participants	2012-01-01	153
Number of participants with account balances	2012-01-01	96
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2012-01-01	6
2011: O NEIL COMPANIES 401(K) SAVINGS PLAN 2011 401k membership
Total participants, beginning-of-year	2011-01-01	159
Total number of active participants reported on line 7a of the Form 5500	2011-01-01	126
Number of retired or separated participants receiving benefits	2011-01-01	0
Number of other retired or separated participants entitled to future benefits	2011-01-01	14
Total of all active and inactive participants	2011-01-01	140
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2011-01-01	0
Total participants	2011-01-01	140
Number of participants with account balances	2011-01-01	94
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2011-01-01	33
2009: O NEIL COMPANIES 401(K) SAVINGS PLAN 2009 401k membership
Total participants, beginning-of-year	2009-01-01	159
Total number of active participants reported on line 7a of the Form 5500	2009-01-01	151
Number of retired or separated participants receiving benefits	2009-01-01	0
Number of other retired or separated participants entitled to future benefits	2009-01-01	15
Total of all active and inactive participants	2009-01-01	166
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2009-01-01	0
Total participants	2009-01-01	166
Number of participants with account balances	2009-01-01	100
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2009-01-01	6

Financial Data on O NEIL COMPANIES 401(K) SAVINGS PLAN

Measure	Date	Value
2012 : O NEIL COMPANIES 401(K) SAVINGS PLAN 2012 401k financial data
Total unrealized appreciation/depreciation of assets	2012-12-31	$0
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2012-12-31	$0
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2012-12-31	$0
Total income from all sources (including contributions)	2012-12-31	$471,708
Total loss/gain on sale of assets	2012-12-31	$0
Total of all expenses incurred	2012-12-31	$92,748
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2012-12-31	$67,470
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2012-12-31	$246,357
Value of total assets at end of year	2012-12-31	$2,431,120
Value of total assets at beginning of year	2012-12-31	$2,052,160
Total of administrative expenses incurred including professional, contract, advisory and management fees	2012-12-31	$25,278
Total interest from all sources	2012-12-31	$2,047
Total dividends received (eg from common stock, registered investment company shares)	2012-12-31	$0
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2012-12-31	No
Was this plan covered by a fidelity bond	2012-12-31	Yes
Value of fidelity bond cover	2012-12-31	$300,000
If this is an individual account plan, was there a blackout period	2012-12-31	No
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2012-12-31	$0
Were there any nonexempt tranactions with any party-in-interest	2012-12-31	No
Contributions received from participants	2012-12-31	$241,377
Total non interest bearing cash at end of year	2012-12-31	$1,000
Total non interest bearing cash at beginning of year	2012-12-31	$3,433
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2012-12-31	No
Value of net income/loss	2012-12-31	$378,960
Value of net assets at end of year (total assets less liabilities)	2012-12-31	$2,431,120
Value of net assets at beginning of year (total assets less liabilities)	2012-12-31	$2,052,160
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2012-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2012-12-31	No
Were any leases to which the plan was party in default or uncollectible	2012-12-31	No
Value of interest in pooled separate accounts at end of year	2012-12-31	$2,063,705
Value of interest in pooled separate accounts at beginning of year	2012-12-31	$1,749,823
Interest earned on other investments	2012-12-31	$2,047
Value of funds held in insurance company general accounts (unallocated contracts) at end of year	2012-12-31	$361,435
Value of funds held in insurance company general accounts (unallocated contracts) at beginning of year	2012-12-31	$294,565
Net investment gain/loss from pooled separate accounts	2012-12-31	$223,304
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2012-12-31	No
Was there a failure to transmit to the plan any participant contributions	2012-12-31	No
Has the plan failed to provide any benefit when due under the plan	2012-12-31	No
Contributions received in cash from employer	2012-12-31	$4,980
Employer contributions (assets) at end of year	2012-12-31	$4,980
Employer contributions (assets) at beginning of year	2012-12-31	$4,339
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2012-12-31	$67,470
Contract administrator fees	2012-12-31	$25,278
Did the plan have assets held for investment	2012-12-31	Yes
Did the plan hold any assets whose current value was neither redily determinable on an established market nor set by an independent third party appraiser	2012-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2012-12-31	No
Accountant perfomed limited scope audit pursuant to 29 CFR 2520.103-8 and/or 103-12(d)	2012-12-31	Yes
Opinion of an independent qualified public accountant for this plan	2012-12-31	Disclaimer
Accountancy firm name	2012-12-31	JAMES MOORE & CO., P.L.
Accountancy firm EIN	2012-12-31	593204548
2011 : O NEIL COMPANIES 401(K) SAVINGS PLAN 2011 401k financial data
Total unrealized appreciation/depreciation of assets	2011-12-31	$0
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2011-12-31	$0
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2011-12-31	$0
Total income from all sources (including contributions)	2011-12-31	$227,264
Total loss/gain on sale of assets	2011-12-31	$0
Total of all expenses incurred	2011-12-31	$205,731
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2011-12-31	$182,856
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2011-12-31	$234,327
Value of total assets at end of year	2011-12-31	$2,052,160
Value of total assets at beginning of year	2011-12-31	$2,030,627
Total of administrative expenses incurred including professional, contract, advisory and management fees	2011-12-31	$22,875
Total interest from all sources	2011-12-31	$2,562
Total dividends received (eg from common stock, registered investment company shares)	2011-12-31	$0
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2011-12-31	No
Was this plan covered by a fidelity bond	2011-12-31	Yes
Value of fidelity bond cover	2011-12-31	$300,000
If this is an individual account plan, was there a blackout period	2011-12-31	No
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2011-12-31	$0
Were there any nonexempt tranactions with any party-in-interest	2011-12-31	No
Contributions received from participants	2011-12-31	$229,700
Income. Received or receivable in cash from other sources (including rollovers)	2011-12-31	$288
Total non interest bearing cash at end of year	2011-12-31	$3,433
Total non interest bearing cash at beginning of year	2011-12-31	$2,418
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2011-12-31	No
Value of net income/loss	2011-12-31	$21,533
Value of net assets at end of year (total assets less liabilities)	2011-12-31	$2,052,160
Value of net assets at beginning of year (total assets less liabilities)	2011-12-31	$2,030,627
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2011-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2011-12-31	No
Were any leases to which the plan was party in default or uncollectible	2011-12-31	No
Value of interest in pooled separate accounts at end of year	2011-12-31	$1,749,823
Value of interest in pooled separate accounts at beginning of year	2011-12-31	$1,767,277
Interest earned on other investments	2011-12-31	$2,562
Value of funds held in insurance company general accounts (unallocated contracts) at end of year	2011-12-31	$294,565
Value of funds held in insurance company general accounts (unallocated contracts) at beginning of year	2011-12-31	$256,195
Net investment gain/loss from pooled separate accounts	2011-12-31	$-9,625
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2011-12-31	No
Was there a failure to transmit to the plan any participant contributions	2011-12-31	No
Has the plan failed to provide any benefit when due under the plan	2011-12-31	No
Contributions received in cash from employer	2011-12-31	$4,339
Employer contributions (assets) at end of year	2011-12-31	$4,339
Employer contributions (assets) at beginning of year	2011-12-31	$4,737
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2011-12-31	$182,856
Contract administrator fees	2011-12-31	$22,875
Did the plan have assets held for investment	2011-12-31	Yes
Did the plan hold any assets whose current value was neither redily determinable on an established market nor set by an independent third party appraiser	2011-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2011-12-31	No
Accountant perfomed limited scope audit pursuant to 29 CFR 2520.103-8 and/or 103-12(d)	2011-12-31	Yes
Opinion of an independent qualified public accountant for this plan	2011-12-31	Disclaimer
Accountancy firm name	2011-12-31	JAMES MOORE & CO., P.L.
Accountancy firm EIN	2011-12-31	593204548
2010 : O NEIL COMPANIES 401(K) SAVINGS PLAN 2010 401k financial data
Total unrealized appreciation/depreciation of assets	2010-12-31	$0
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2010-12-31	$0
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2010-12-31	$0
Total income from all sources (including contributions)	2010-12-31	$424,029
Total loss/gain on sale of assets	2010-12-31	$0
Total of all expenses incurred	2010-12-31	$68,979
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2010-12-31	$47,536
Value of total corrective distributions	2010-12-31	$653
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2010-12-31	$223,444
Value of total assets at end of year	2010-12-31	$2,030,627
Value of total assets at beginning of year	2010-12-31	$1,675,577
Total of administrative expenses incurred including professional, contract, advisory and management fees	2010-12-31	$20,790
Total interest from all sources	2010-12-31	$5,403
Total dividends received (eg from common stock, registered investment company shares)	2010-12-31	$0
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2010-12-31	No
Was this plan covered by a fidelity bond	2010-12-31	Yes
Value of fidelity bond cover	2010-12-31	$500,000
If this is an individual account plan, was there a blackout period	2010-12-31	No
Were there any nonexempt tranactions with any party-in-interest	2010-12-31	No
Contributions received from participants	2010-12-31	$214,467
Income. Received or receivable in cash from other sources (including rollovers)	2010-12-31	$4,240
Administrative expenses (other) incurred	2010-12-31	$5
Total non interest bearing cash at end of year	2010-12-31	$2,418
Total non interest bearing cash at beginning of year	2010-12-31	$4,454
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2010-12-31	No
Value of net income/loss	2010-12-31	$355,050
Value of net assets at end of year (total assets less liabilities)	2010-12-31	$2,030,627
Value of net assets at beginning of year (total assets less liabilities)	2010-12-31	$1,675,577
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2010-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2010-12-31	No
Were any leases to which the plan was party in default or uncollectible	2010-12-31	No
Value of interest in pooled separate accounts at end of year	2010-12-31	$1,767,277
Value of interest in pooled separate accounts at beginning of year	2010-12-31	$1,426,536
Interest earned on other investments	2010-12-31	$5,403
Value of funds held in insurance company general accounts (unallocated contracts) at end of year	2010-12-31	$256,195
Value of funds held in insurance company general accounts (unallocated contracts) at beginning of year	2010-12-31	$228,837
Net investment gain/loss from pooled separate accounts	2010-12-31	$195,182
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2010-12-31	No
Was there a failure to transmit to the plan any participant contributions	2010-12-31	No
Has the plan failed to provide any benefit when due under the plan	2010-12-31	No
Contributions received in cash from employer	2010-12-31	$4,737
Employer contributions (assets) at end of year	2010-12-31	$4,737
Employer contributions (assets) at beginning of year	2010-12-31	$15,750
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2010-12-31	$47,536
Contract administrator fees	2010-12-31	$20,785
Did the plan have assets held for investment	2010-12-31	Yes
Did the plan hold any assets whose current value was neither redily determinable on an established market nor set by an independent third party appraiser	2010-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2010-12-31	No
Accountant perfomed limited scope audit pursuant to 29 CFR 2520.103-8 and/or 103-12(d)	2010-12-31	Yes
Opinion of an independent qualified public accountant for this plan	2010-12-31	Disclaimer
Accountancy firm name	2010-12-31	JAMES MOORE & CO., P.L.
Accountancy firm EIN	2010-12-31	593204548
2009 : O NEIL COMPANIES 401(K) SAVINGS PLAN 2009 401k financial data
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2009-12-31	$0

Form 5500 Responses for O NEIL COMPANIES 401(K) SAVINGS PLAN

2012: O NEIL COMPANIES 401(K) SAVINGS PLAN 2012 form 5500 responses
2012-01-01	Type of plan entity	Single employer plan
2012-01-01	Submission has been amended	No
2012-01-01	This submission is the final filing	No
2012-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2012-01-01	Plan is a collectively bargained plan	No
2012-01-01	Plan funding arrangement – Insurance	Yes
2012-01-01	Plan funding arrangement – Trust	Yes
2012-01-01	Plan benefit arrangement – Insurance	Yes
2012-01-01	Plan benefit arrangement - Trust	Yes
2011: O NEIL COMPANIES 401(K) SAVINGS PLAN 2011 form 5500 responses
2011-01-01	Type of plan entity	Single employer plan
2011-01-01	Submission has been amended	No
2011-01-01	This submission is the final filing	No
2011-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2011-01-01	Plan is a collectively bargained plan	No
2011-01-01	Plan funding arrangement – Insurance	Yes
2011-01-01	Plan funding arrangement – Trust	Yes
2011-01-01	Plan benefit arrangement – Insurance	Yes
2011-01-01	Plan benefit arrangement - Trust	Yes
2009: O NEIL COMPANIES 401(K) SAVINGS PLAN 2009 form 5500 responses
2009-01-01	Type of plan entity	Single employer plan
2009-01-01	Submission has been amended	No
2009-01-01	This submission is the final filing	No
2009-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2009-01-01	Plan is a collectively bargained plan	No
2009-01-01	Plan funding arrangement – Insurance	Yes
2009-01-01	Plan funding arrangement – Trust	Yes
2009-01-01	Plan benefit arrangement – Insurance	Yes
2009-01-01	Plan benefit arrangement - Trust	Yes

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Company Name:	MERCHANTS & SOUTHERN BANK
Employer identification number (EIN):	590874267
NAIC Classification:	522110
NAIC Description:	Commercial Banking