Call reports 2021
MERCER COUNTY STATE BANK — 2021
What MERCER COUNTY STATE BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 511,770,000 | 538,948,000 | 558,333,000 | 554,500,000 |
| Total loans | 313,057,000 | 316,068,000 | 313,232,000 | 308,928,000 |
| Allowance for loan losses | 3,404,000 | 3,502,000 | 3,582,000 | 3,679,000 |
| Securities available for sale | 160,674,000 | 186,561,000 | 211,921,000 | 209,796,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 436,619,000 | 461,364,000 | 480,903,000 | 482,086,000 |
| Interest-bearing deposits | 286,013,000 | 301,565,000 | 307,182,000 | 307,011,000 |
| Noninterest-bearing deposits | 150,606,000 | 159,799,000 | 173,721,000 | 175,075,000 |
| Equity capital | 47,394,000 | 48,720,000 | 49,878,000 | 48,609,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 4,501,000 | 9,137,000 | 14,059,000 | 18,883,000 |
| Interest expense | 512,000 | 973,000 | 1,399,000 | 1,764,000 |
| Net interest income | 3,989,000 | 8,164,000 | 12,660,000 | 17,119,000 |
| Noninterest income | 783,000 | 1,632,000 | 2,447,000 | 3,258,000 |
| Noninterest expense | 3,021,000 | 6,092,000 | 9,379,000 | 13,075,000 |
| Provision for loan losses | 90,000 | 180,000 | 270,000 | 375,000 |
| Pretax income | 1,661,000 | 3,524,000 | 5,458,000 | 6,944,000 |
| Income tax | 266,000 | 569,000 | 885,000 | 1,097,000 |
| Net income | 1,395,000 | 2,955,000 | 4,573,000 | 5,847,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 44,283,000 | 45,343,000 | 46,961,000 | 47,235,000 |
| Total capital | — | — | — | 50,914,000 |
| Risk-weighted assets | — | — | — | 323,707,000 |