Call reports 2015
FIRST NATIONAL BANK OF MERTZON, THE — 2015
What FIRST NATIONAL BANK OF MERTZON, THE reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 341,720,000 | 304,214,000 | 296,741,000 | 317,557,000 |
| Total loans | 55,701,000 | 60,133,000 | 59,408,000 | 61,961,000 |
| Allowance for loan losses | 771,000 | 811,000 | 849,000 | 894,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 173,776,000 | 163,702,000 | 172,768,000 | 184,305,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 319,953,000 | 282,157,000 | 274,281,000 | 294,889,000 |
| Interest-bearing deposits | 205,247,000 | 178,947,000 | 174,842,000 | 192,951,000 |
| Noninterest-bearing deposits | 114,706,000 | 103,210,000 | 99,439,000 | 101,938,000 |
| Equity capital | 21,546,000 | 21,939,000 | 22,340,000 | 22,560,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,254,000 | 2,540,000 | 3,878,000 | 5,252,000 |
| Interest expense | 40,000 | 72,000 | 107,000 | 145,000 |
| Net interest income | 1,214,000 | 2,468,000 | 3,771,000 | 5,107,000 |
| Noninterest income | 96,000 | 191,000 | 286,000 | 371,000 |
| Noninterest expense | 812,000 | 1,619,000 | 2,436,000 | 3,483,000 |
| Provision for loan losses | 0 | 50,000 | 100,000 | 150,000 |
| Pretax income | 498,000 | 990,000 | 1,521,000 | 1,845,000 |
| Income tax | 100,000 | 199,000 | 329,000 | 433,000 |
| Net income | 398,000 | 791,000 | 1,192,000 | 1,412,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,546,000 | 21,939,000 | 22,340,000 | 22,560,000 |
| Total capital | 22,337,000 | 22,770,000 | 23,209,000 | 23,474,000 |
| Risk-weighted assets | 86,799,000 | 89,878,000 | 91,036,000 | 96,052,000 |