Call reports 2014
MERCER COUNTY STATE BANK — 2014
What MERCER COUNTY STATE BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 341,913,000 | 337,305,000 | 352,296,000 | 348,558,000 |
| Total loans | 182,603,000 | 185,623,000 | 191,064,000 | 192,067,000 |
| Allowance for loan losses | 2,295,000 | 2,278,000 | 2,302,000 | 2,366,000 |
| Securities available for sale | 130,918,000 | 122,773,000 | 132,178,000 | 128,258,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 294,833,000 | 288,570,000 | 294,270,000 | 290,441,000 |
| Interest-bearing deposits | 225,706,000 | 219,246,000 | 222,182,000 | 217,492,000 |
| Noninterest-bearing deposits | 69,127,000 | 69,324,000 | 72,088,000 | 72,949,000 |
| Equity capital | 33,553,000 | 35,111,000 | 36,422,000 | 37,847,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 3,073,000 | 6,233,000 | 9,761,000 | 13,125,000 |
| Interest expense | 360,000 | 717,000 | 1,098,000 | 1,473,000 |
| Net interest income | 2,713,000 | 5,516,000 | 8,663,000 | 11,652,000 |
| Noninterest income | 634,000 | 1,374,000 | 2,128,000 | 2,863,000 |
| Noninterest expense | 2,493,000 | 5,049,000 | 7,794,000 | 10,424,000 |
| Provision for loan losses | 50,000 | 75,000 | 100,000 | 250,000 |
| Pretax income | 919,000 | 1,925,000 | 3,091,000 | 4,042,000 |
| Income tax | 186,000 | 405,000 | 668,000 | 860,000 |
| Net income | 733,000 | 1,520,000 | 2,423,000 | 3,182,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,503,000 | 32,866,000 | 33,770,000 | 34,110,000 |
| Total capital | 34,798,000 | 35,144,000 | 36,072,000 | 36,476,000 |
| Risk-weighted assets | 220,659,000 | 221,634,000 | 227,559,000 | 228,262,000 |
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