Call reports 2018
MERCER COUNTY STATE BANK — 2018
What MERCER COUNTY STATE BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 393,923,000 | 405,488,000 | 408,961,000 | 404,107,000 |
| Total loans | 237,163,000 | 246,904,000 | 251,360,000 | 251,594,000 |
| Allowance for loan losses | 2,662,000 | 2,698,000 | 2,769,000 | 2,873,000 |
| Securities available for sale | 124,804,000 | 126,783,000 | 122,004,000 | 118,552,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 325,881,000 | 327,613,000 | 341,951,000 | 336,265,000 |
| Interest-bearing deposits | 235,502,000 | 237,075,000 | 242,537,000 | 237,205,000 |
| Noninterest-bearing deposits | 90,380,000 | 90,539,000 | 99,414,000 | 99,060,000 |
| Equity capital | 40,161,000 | 39,232,000 | 39,234,000 | 39,755,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 3,715,000 | 7,550,000 | 11,515,000 | 15,657,000 |
| Interest expense | 584,000 | 1,187,000 | 1,856,000 | 2,583,000 |
| Net interest income | 3,131,000 | 6,363,000 | 9,659,000 | 13,074,000 |
| Noninterest income | 757,000 | 1,428,000 | 2,113,000 | 2,862,000 |
| Noninterest expense | 2,927,000 | 5,794,000 | 8,593,000 | 11,440,000 |
| Provision for loan losses | 90,000 | 180,000 | 270,000 | 435,000 |
| Pretax income | 915,000 | 1,862,000 | 2,951,000 | 3,967,000 |
| Income tax | 111,000 | 221,000 | 370,000 | 477,000 |
| Net income | 804,000 | 1,641,000 | 2,581,000 | 3,490,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,193,000 | 39,529,000 | 40,470,000 | 39,679,000 |
| Total capital | 42,855,000 | 42,227,000 | 43,239,000 | 42,552,000 |
| Risk-weighted assets | 258,330,000 | 250,367,000 | 260,228,000 | 258,901,000 |