Call reports 2014
MERCER SAVINGS BANK — 2014
What MERCER SAVINGS BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 110,740,000 | 109,236,000 | 108,143,000 | 108,706,000 |
| Total loans | 63,825,000 | 63,716,000 | 65,886,000 | 67,278,000 |
| Allowance for loan losses | 459,000 | 462,000 | 471,000 | 459,000 |
| Securities available for sale | 14,622,000 | 14,636,000 | 16,527,000 | 16,851,000 |
| Securities held to maturity | 9,901,000 | 9,714,000 | 7,582,000 | 7,375,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 99,066,000 | 97,393,000 | 96,287,000 | 96,745,000 |
| Interest-bearing deposits | 93,572,000 | 92,408,000 | 90,907,000 | 91,394,000 |
| Noninterest-bearing deposits | 5,494,000 | 4,985,000 | 5,380,000 | 5,351,000 |
| Equity capital | 10,525,000 | 10,612,000 | 10,601,000 | 10,699,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 822,000 | 1,632,000 | 2,474,000 | 3,308,000 |
| Interest expense | 86,000 | 170,000 | 253,000 | 334,000 |
| Net interest income | 736,000 | 1,462,000 | 2,221,000 | 2,974,000 |
| Noninterest income | 131,000 | 285,000 | 414,000 | 558,000 |
| Noninterest expense | 882,000 | 1,742,000 | 2,578,000 | 3,433,000 |
| Provision for loan losses | 4,000 | 7,000 | 10,000 | 13,000 |
| Pretax income | -19,000 | -2,000 | 47,000 | 86,000 |
| Income tax | -7,000 | -5,000 | 8,000 | 9,000 |
| Net income | -12,000 | 3,000 | 39,000 | 77,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,676,000 | 10,692,000 | 10,727,000 | 10,765,000 |
| Total capital | 11,135,000 | 11,154,000 | 11,198,000 | 11,224,000 |
| Risk-weighted assets | 59,281,000 | 58,843,000 | 60,823,000 | 61,871,000 |