Call reports 2009
MERCER COUNTY STATE BANK — 2009
What MERCER COUNTY STATE BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 271,166,000 | 272,516,000 | 281,816,000 | 278,139,000 |
| Total loans | 150,521,000 | 154,835,000 | 158,583,000 | 157,860,000 |
| Allowance for loan losses | 1,654,000 | 1,951,000 | 2,430,000 | 1,821,000 |
| Securities available for sale | 96,438,000 | 92,145,000 | 99,835,000 | 94,051,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 212,347,000 | 214,381,000 | 221,048,000 | 226,157,000 |
| Interest-bearing deposits | 175,283,000 | 175,567,000 | 182,049,000 | 185,456,000 |
| Noninterest-bearing deposits | 37,064,000 | 38,814,000 | 38,999,000 | 40,701,000 |
| Equity capital | 25,794,000 | 25,617,000 | 27,638,000 | 27,397,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 3,667,000 | 7,313,000 | 10,970,000 | 14,549,000 |
| Interest expense | 1,412,000 | 2,791,000 | 4,175,000 | 5,494,000 |
| Net interest income | 2,255,000 | 4,522,000 | 6,795,000 | 9,055,000 |
| Noninterest income | 625,000 | 1,289,000 | 1,953,000 | 2,681,000 |
| Noninterest expense | 2,228,000 | 4,412,000 | 6,548,000 | 8,824,000 |
| Provision for loan losses | 75,000 | 375,000 | 975,000 | 1,300,000 |
| Pretax income | 598,000 | 1,054,000 | 1,255,000 | 1,658,000 |
| Income tax | 94,000 | 135,000 | 96,000 | 114,000 |
| Net income | 504,000 | 919,000 | 1,159,000 | 1,544,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,729,000 | 24,873,000 | 25,114,000 | 25,121,000 |
| Total capital | 26,383,000 | 26,824,000 | 27,231,000 | 26,942,000 |
| Risk-weighted assets | 178,788,000 | 181,452,000 | 184,786,000 | 182,156,000 |
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