Call reports 2025
MERCER COUNTY STATE BANK — 2025
What MERCER COUNTY STATE BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 585,561,000 | 606,809,000 | 607,382,000 | 597,479,000 |
| Total loans | 388,237,000 | 393,327,000 | 389,913,000 | 391,021,000 |
| Allowance for loan losses | 4,061,000 | 4,812,000 | 4,840,000 | 4,505,000 |
| Securities available for sale | 147,285,000 | 150,308,000 | 151,204,000 | 156,671,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 499,214,000 | 528,824,000 | 530,761,000 | 516,580,000 |
| Interest-bearing deposits | 356,000,000 | 383,994,000 | 380,745,000 | 377,529,000 |
| Noninterest-bearing deposits | 143,214,000 | 144,830,000 | 150,016,000 | 139,051,000 |
| Equity capital | 41,662,000 | 41,591,000 | 46,284,000 | 47,231,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 6,743,000 | 13,761,000 | 20,982,000 | 28,476,000 |
| Interest expense | 2,028,000 | 4,115,000 | 6,284,000 | 8,292,000 |
| Net interest income | 4,715,000 | 9,646,000 | 14,698,000 | 20,184,000 |
| Noninterest income | 844,000 | 1,880,000 | 2,815,000 | 3,801,000 |
| Noninterest expense | 4,095,000 | 7,759,000 | 12,007,000 | 16,434,000 |
| Provision for loan losses | 105,000 | 890,000 | 995,000 | 700,000 |
| Pretax income | 1,347,000 | 2,857,000 | 4,460,000 | 6,800,000 |
| Income tax | 193,000 | 417,000 | 657,000 | 1,050,000 |
| Net income | 1,154,000 | 2,440,000 | 3,803,000 | 5,750,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 60,514,000 | 59,800,000 | 61,163,000 | 61,110,000 |