Call reports 2019
MERCER COUNTY STATE BANK — 2019
What MERCER COUNTY STATE BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 410,191,000 | 419,604,000 | 437,384,000 | 426,878,000 |
| Total loans | 254,151,000 | 260,459,000 | 263,470,000 | 265,706,000 |
| Allowance for loan losses | 2,957,000 | 3,093,000 | 3,191,000 | 3,175,000 |
| Securities available for sale | 122,582,000 | 127,701,000 | 140,004,000 | 130,259,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 339,404,000 | 341,559,000 | 364,757,000 | 353,392,000 |
| Interest-bearing deposits | 241,751,000 | 244,224,000 | 249,072,000 | 245,080,000 |
| Noninterest-bearing deposits | 97,653,000 | 97,335,000 | 115,685,000 | 108,312,000 |
| Equity capital | 42,369,000 | 42,832,000 | 44,560,000 | 43,248,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 4,050,000 | 8,274,000 | 12,609,000 | 16,825,000 |
| Interest expense | 731,000 | 1,519,000 | 2,360,000 | 3,204,000 |
| Net interest income | 3,319,000 | 6,755,000 | 10,249,000 | 13,621,000 |
| Noninterest income | 632,000 | 1,347,000 | 2,284,000 | 3,023,000 |
| Noninterest expense | 2,849,000 | 5,753,000 | 8,783,000 | 11,920,000 |
| Provision for loan losses | 105,000 | 210,000 | 315,000 | 315,000 |
| Pretax income | 997,000 | 2,141,000 | 3,437,000 | 4,417,000 |
| Income tax | 127,000 | 285,000 | 493,000 | 608,000 |
| Net income | 870,000 | 1,856,000 | 2,944,000 | 3,809,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,547,000 | 39,833,000 | 41,203,000 | 40,068,000 |
| Total capital | 43,504,000 | 42,926,000 | 44,394,000 | 43,243,000 |
| Risk-weighted assets | 257,897,000 | 267,893,000 | 274,746,000 | 266,758,000 |