Call reports 2012
MERCER SAVINGS BANK — 2012
What MERCER SAVINGS BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 123,413,000 | 123,981,000 | 120,943,000 | 117,032,000 |
| Total loans | 79,159,000 | 77,427,000 | 74,519,000 | 69,707,000 |
| Allowance for loan losses | 429,000 | 467,000 | 492,000 | 471,000 |
| Securities available for sale | 3,321,000 | 3,340,000 | 1,348,000 | 1,025,000 |
| Securities held to maturity | 14,134,000 | 14,202,000 | 10,957,000 | 10,740,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 112,343,000 | 112,636,000 | 109,508,000 | 105,387,000 |
| Interest-bearing deposits | 106,844,000 | 107,178,000 | 103,996,000 | 100,083,000 |
| Noninterest-bearing deposits | 5,499,000 | 5,458,000 | 5,512,000 | 5,304,000 |
| Equity capital | 9,910,000 | 10,035,000 | 10,112,000 | 10,340,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,017,000 | 2,064,000 | 3,058,000 | 4,047,000 |
| Interest expense | 176,000 | 342,000 | 496,000 | 636,000 |
| Net interest income | 841,000 | 1,722,000 | 2,562,000 | 3,411,000 |
| Noninterest income | 110,000 | 415,000 | 744,000 | 1,189,000 |
| Noninterest expense | 1,003,000 | 2,018,000 | 3,170,000 | 4,100,000 |
| Provision for loan losses | 26,000 | 45,000 | 70,000 | 98,000 |
| Pretax income | -78,000 | 74,000 | 66,000 | 402,000 |
| Income tax | -23,000 | 21,000 | 38,000 | 145,000 |
| Net income | -55,000 | 53,000 | 28,000 | 257,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,179,000 | 10,291,000 | 10,264,000 | 10,492,000 |
| Total capital | 10,608,000 | 10,758,000 | 10,756,000 | 10,963,000 |
| Risk-weighted assets | 59,369,000 | 58,443,000 | 53,675,000 | 51,028,000 |