Call reports 2015
MERCER SAVINGS BANK — 2015
What MERCER SAVINGS BANK 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 | 112,910,000 | 114,512,000 | 111,901,000 | 116,305,000 |
| Total loans | 69,134,000 | 70,696,000 | 73,301,000 | 76,133,000 |
| Allowance for loan losses | 462,000 | 453,000 | 454,000 | 457,000 |
| Securities available for sale | 16,910,000 | 16,797,000 | 16,772,000 | 15,643,000 |
| Securities held to maturity | 5,237,000 | 5,085,000 | 2,915,000 | 2,777,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 100,201,000 | 101,849,000 | 99,539,000 | 103,697,000 |
| Interest-bearing deposits | 91,662,000 | 91,208,000 | 91,644,000 | 97,047,000 |
| Noninterest-bearing deposits | 8,539,000 | 10,641,000 | 7,895,000 | 6,650,000 |
| Equity capital | 10,979,000 | 10,785,000 | 10,853,000 | 10,856,000 |
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 | 854,000 | 1,709,000 | 2,563,000 | 3,431,000 |
| Interest expense | 77,000 | 152,000 | 224,000 | 294,000 |
| Net interest income | 777,000 | 1,557,000 | 2,339,000 | 3,137,000 |
| Noninterest income | 147,000 | 270,000 | 414,000 | 537,000 |
| Noninterest expense | 878,000 | 1,745,000 | 2,681,000 | 3,578,000 |
| Provision for loan losses | 3,000 | 7,000 | 10,000 | 13,000 |
| Pretax income | 43,000 | 75,000 | 62,000 | 91,000 |
| Income tax | 2,000 | -1,000 | -18,000 | -44,000 |
| Net income | 41,000 | 76,000 | 80,000 | 135,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,807,000 | 10,842,000 | 10,845,000 | 10,901,000 |
| Total capital | 11,269,000 | 11,295,000 | 11,299,000 | 11,358,000 |
| Risk-weighted assets | 53,201,000 | 53,612,000 | 54,580,000 | 56,255,000 |