Call reports 2017
MERCER COUNTY STATE BANK — 2017
What MERCER COUNTY STATE BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 373,333,000 | 390,297,000 | 397,161,000 | 397,612,000 |
| Total loans | 224,246,000 | 231,281,000 | 232,800,000 | 235,716,000 |
| Allowance for loan losses | 2,731,000 | 2,766,000 | 2,856,000 | 2,587,000 |
| Securities available for sale | 123,489,000 | 131,088,000 | 130,299,000 | 130,167,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 310,725,000 | 314,806,000 | 324,560,000 | 326,318,000 |
| Interest-bearing deposits | 234,150,000 | 232,178,000 | 233,858,000 | 238,090,000 |
| Noninterest-bearing deposits | 76,575,000 | 82,628,000 | 90,702,000 | 88,228,000 |
| Equity capital | 40,492,000 | 42,084,000 | 42,644,000 | 40,990,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 3,380,000 | 6,930,000 | 10,553,000 | 14,246,000 |
| Interest expense | 445,000 | 923,000 | 1,436,000 | 1,977,000 |
| Net interest income | 2,935,000 | 6,007,000 | 9,117,000 | 12,269,000 |
| Noninterest income | 693,000 | 1,408,000 | 2,212,000 | 2,999,000 |
| Noninterest expense | 2,871,000 | 5,662,000 | 8,532,000 | 11,514,000 |
| Provision for loan losses | 50,000 | 100,000 | 250,000 | 400,000 |
| Pretax income | 770,000 | 1,739,000 | 2,633,000 | 3,546,000 |
| Income tax | 127,000 | 320,000 | 486,000 | 741,000 |
| Net income | 644,000 | 1,421,000 | 2,148,000 | 2,806,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,907,000 | 39,443,000 | 40,170,000 | 39,285,000 |
| Total capital | 41,638,000 | 42,209,000 | 43,026,000 | 41,872,000 |
| Risk-weighted assets | 257,915,000 | 263,752,000 | 261,242,000 | 265,184,000 |