Call reports 2013
MERCER COUNTY STATE BANK — 2013
What MERCER COUNTY STATE BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 350,495,000 | 350,751,000 | 346,801,000 | 337,701,000 |
| Total loans | 165,227,000 | 170,633,000 | 174,801,000 | 178,602,000 |
| Allowance for loan losses | 2,258,000 | 2,318,000 | 2,385,000 | 2,244,000 |
| Securities available for sale | 157,777,000 | 148,397,000 | 142,156,000 | 129,599,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 292,557,000 | 293,718,000 | 292,145,000 | 290,359,000 |
| Interest-bearing deposits | 232,709,000 | 230,405,000 | 226,759,000 | 223,455,000 |
| Noninterest-bearing deposits | 59,848,000 | 63,313,000 | 65,386,000 | 66,904,000 |
| Equity capital | 34,518,000 | 31,073,000 | 32,071,000 | 31,845,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 3,105,000 | 6,227,000 | 9,401,000 | 12,551,000 |
| Interest expense | 563,000 | 1,077,000 | 1,541,000 | 1,937,000 |
| Net interest income | 2,542,000 | 5,150,000 | 7,860,000 | 10,614,000 |
| Noninterest income | 825,000 | 1,581,000 | 2,235,000 | 2,917,000 |
| Noninterest expense | 2,558,000 | 5,044,000 | 7,572,000 | 10,152,000 |
| Provision for loan losses | 0 | 50,000 | 100,000 | 150,000 |
| Pretax income | 938,000 | 1,859,000 | 2,738,000 | 3,553,000 |
| Income tax | 199,000 | 385,000 | 547,000 | 701,000 |
| Net income | 739,000 | 1,474,000 | 2,191,000 | 2,852,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,494,000 | 30,782,000 | 31,503,000 | 31,766,000 |
| Total capital | 32,752,000 | 33,100,000 | 33,888,000 | 34,010,000 |
| Risk-weighted assets | 207,762,000 | 215,729,000 | 214,523,000 | 216,709,000 |
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