Call reports 2013
MERCER SAVINGS BANK — 2013
What MERCER SAVINGS BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 111,801,000 | 110,936,000 | 109,199,000 | 107,238,000 |
| Total loans | 65,138,000 | 64,043,000 | 64,602,000 | 64,092,000 |
| Allowance for loan losses | 559,000 | 529,000 | 522,000 | 481,000 |
| Securities available for sale | 5,922,000 | 7,621,000 | 11,373,000 | 13,334,000 |
| Securities held to maturity | 12,651,000 | 12,280,000 | 11,986,000 | 9,718,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 99,934,000 | 99,347,000 | 97,357,000 | 95,668,000 |
| Interest-bearing deposits | 95,389,000 | 94,369,000 | 92,751,000 | 91,019,000 |
| Noninterest-bearing deposits | 4,545,000 | 4,978,000 | 4,606,000 | 4,649,000 |
| Equity capital | 10,486,000 | 10,351,000 | 10,483,000 | 10,508,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 869,000 | 1,661,000 | 2,463,000 | 3,302,000 |
| Interest expense | 115,000 | 220,000 | 320,000 | 412,000 |
| Net interest income | 754,000 | 1,441,000 | 2,143,000 | 2,890,000 |
| Noninterest income | 435,000 | 667,000 | 746,000 | 921,000 |
| Noninterest expense | 930,000 | 1,826,000 | 2,721,000 | 3,630,000 |
| Provision for loan losses | 25,000 | 50,000 | 76,000 | 79,000 |
| Pretax income | 234,000 | 232,000 | 92,000 | 102,000 |
| Income tax | 77,000 | 74,000 | -107,000 | -108,000 |
| Net income | 157,000 | 158,000 | 199,000 | 210,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,640,000 | 10,646,000 | 10,688,000 | 10,698,000 |
| Total capital | 11,199,000 | 11,175,000 | 11,210,000 | 11,179,000 |
| Risk-weighted assets | 58,529,000 | 57,583,000 | 58,875,000 | 58,839,000 |