Call reports 2015
MERCER COUNTY STATE BANK — 2015
What MERCER COUNTY STATE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 347,179,000 | 352,370,000 | 367,981,000 | 385,193,000 |
| Total loans | 194,152,000 | 201,566,000 | 205,757,000 | 208,591,000 |
| Allowance for loan losses | 2,395,000 | 2,374,000 | 2,388,000 | 2,566,000 |
| Securities available for sale | 128,463,000 | 125,260,000 | 129,859,000 | 137,793,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 292,943,000 | 295,013,000 | 311,572,000 | 328,653,000 |
| Interest-bearing deposits | 221,930,000 | 225,009,000 | 227,562,000 | 226,904,000 |
| Noninterest-bearing deposits | 71,013,000 | 70,004,000 | 84,010,000 | 101,749,000 |
| Equity capital | 38,837,000 | 37,650,000 | 39,210,000 | 39,208,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 3,216,000 | 6,348,000 | 9,587,000 | 12,938,000 |
| Interest expense | 365,000 | 734,000 | 1,154,000 | 1,553,000 |
| Net interest income | 2,851,000 | 5,614,000 | 8,433,000 | 11,385,000 |
| Noninterest income | 756,000 | 1,428,000 | 2,145,000 | 2,890,000 |
| Noninterest expense | 2,610,000 | 5,205,000 | 7,843,000 | 10,471,000 |
| Provision for loan losses | 50,000 | 75,000 | 100,000 | 200,000 |
| Pretax income | 1,051,000 | 1,921,000 | 2,794,000 | 3,903,000 |
| Income tax | 231,000 | 399,000 | 525,000 | 765,000 |
| Net income | 820,000 | 1,522,000 | 2,269,000 | 3,138,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,950,000 | 35,148,000 | 35,897,000 | 36,303,000 |
| Total capital | 37,345,000 | 37,522,000 | 38,285,000 | 38,869,000 |
| Risk-weighted assets | 247,259,000 | 227,570,000 | 246,215,000 | 248,757,000 |