Call reports 2022
MERCER COUNTY STATE BANK — 2022
What MERCER COUNTY STATE BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 548,593,000 | 552,107,000 | 550,986,000 | 551,097,000 |
| Total loans | 314,138,000 | 335,958,000 | 344,254,000 | 348,660,000 |
| Allowance for loan losses | 3,734,000 | 3,841,000 | 4,040,000 | 4,094,000 |
| Securities available for sale | 189,330,000 | 181,645,000 | 169,276,000 | 164,766,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 486,427,000 | 480,203,000 | 497,308,000 | 473,757,000 |
| Interest-bearing deposits | 318,796,000 | 317,414,000 | 325,203,000 | 322,933,000 |
| Noninterest-bearing deposits | 167,631,000 | 162,789,000 | 172,105,000 | 150,824,000 |
| Equity capital | 39,398,000 | 32,347,000 | 27,429,000 | 31,603,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 4,508,000 | 9,356,000 | 14,467,000 | 19,846,000 |
| Interest expense | 334,000 | 664,000 | 1,081,000 | 1,807,000 |
| Net interest income | 4,174,000 | 8,692,000 | 13,386,000 | 18,039,000 |
| Noninterest income | 802,000 | 1,590,000 | 2,405,000 | 3,233,000 |
| Noninterest expense | 3,205,000 | 6,409,000 | 9,953,000 | 13,728,000 |
| Provision for loan losses | 105,000 | 210,000 | 415,000 | 485,000 |
| Pretax income | 1,666,000 | 3,663,000 | 5,423,000 | 6,983,000 |
| Income tax | 258,000 | 580,000 | 853,000 | 1,085,000 |
| Net income | 1,408,000 | 3,083,000 | 4,570,000 | 5,898,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 48,643,000 | 50,319,000 | 51,805,000 | 53,134,000 |
| Total capital | 52,377,000 | 54,160,000 | 55,845,000 | 57,228,000 |
| Risk-weighted assets | 332,612,000 | 362,477,000 | 352,418,000 | 362,687,000 |