Call reports 2016
MERCER COUNTY STATE BANK — 2016
What MERCER COUNTY STATE BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 384,243,000 | 391,728,000 | 394,291,000 | 379,732,000 |
| Total loans | 211,730,000 | 215,527,000 | 220,457,000 | 225,296,000 |
| Allowance for loan losses | 2,596,000 | 2,644,000 | 2,667,000 | 2,684,000 |
| Securities available for sale | 140,456,000 | 148,246,000 | 144,489,000 | 126,986,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 323,426,000 | 329,905,000 | 318,199,000 | 309,832,000 |
| Interest-bearing deposits | 251,893,000 | 254,897,000 | 239,191,000 | 232,564,000 |
| Noninterest-bearing deposits | 71,533,000 | 75,008,000 | 79,008,000 | 77,268,000 |
| Equity capital | 40,469,000 | 41,361,000 | 42,300,000 | 39,240,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 3,288,000 | 6,624,000 | 10,000,000 | 13,389,000 |
| Interest expense | 423,000 | 867,000 | 1,329,000 | 1,783,000 |
| Net interest income | 2,865,000 | 5,757,000 | 8,671,000 | 11,606,000 |
| Noninterest income | 702,000 | 1,558,000 | 2,309,000 | 3,008,000 |
| Noninterest expense | 2,685,000 | 5,334,000 | 8,096,000 | 11,047,000 |
| Provision for loan losses | 75,000 | 100,000 | 175,000 | 200,000 |
| Pretax income | 818,000 | 1,976,000 | 2,885,000 | 3,529,000 |
| Income tax | 141,000 | 351,000 | 477,000 | 536,000 |
| Net income | 677,000 | 1,625,000 | 2,408,000 | 2,993,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,978,000 | 37,408,000 | 38,194,000 | 38,261,000 |
| Total capital | 39,574,000 | 40,052,000 | 40,861,000 | 40,945,000 |
| Risk-weighted assets | 252,418,000 | 254,155,000 | 261,684,000 | 260,186,000 |