Call reports 2012
MERCER COUNTY STATE BANK — 2012
What MERCER COUNTY STATE BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 329,111,000 | 329,083,000 | 335,425,000 | 340,674,000 |
| Total loans | 154,367,000 | 158,229,000 | 158,918,000 | 165,371,000 |
| Allowance for loan losses | 2,237,000 | 2,295,000 | 2,319,000 | 2,290,000 |
| Securities available for sale | 144,663,000 | 140,423,000 | 146,872,000 | 147,239,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 273,273,000 | 274,050,000 | 287,043,000 | 295,820,000 |
| Interest-bearing deposits | 220,202,000 | 222,799,000 | 229,072,000 | 232,190,000 |
| Noninterest-bearing deposits | 53,071,000 | 51,251,000 | 57,971,000 | 63,630,000 |
| Equity capital | 32,539,000 | 33,486,000 | 34,912,000 | 34,522,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 3,172,000 | 6,394,000 | 9,528,000 | 12,660,000 |
| Interest expense | 817,000 | 1,591,000 | 2,300,000 | 2,926,000 |
| Net interest income | 2,355,000 | 4,803,000 | 7,228,000 | 9,734,000 |
| Noninterest income | 827,000 | 1,777,000 | 2,720,000 | 3,488,000 |
| Noninterest expense | 2,471,000 | 4,960,000 | 7,385,000 | 9,846,000 |
| Provision for loan losses | 50,000 | 100,000 | 150,000 | 300,000 |
| Pretax income | 943,000 | 1,831,000 | 2,897,000 | 3,619,000 |
| Income tax | 211,000 | 394,000 | 651,000 | 784,000 |
| Net income | 732,000 | 1,437,000 | 2,246,000 | 2,835,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,391,000 | 28,610,000 | 29,415,000 | 29,753,000 |
| Total capital | 30,628,000 | 30,868,000 | 31,734,000 | 32,043,000 |
| Risk-weighted assets | 193,843,000 | 194,176,000 | 200,937,000 | 204,440,000 |
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