Call reports 2016
MERCER SAVINGS BANK — 2016
What MERCER SAVINGS BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 111,073,000 | 112,610,000 | 114,211,000 | 114,909,000 |
| Total loans | 76,278,000 | 77,233,000 | 79,936,000 | 84,433,000 |
| Allowance for loan losses | 321,000 | 279,000 | 315,000 | 340,000 |
| Securities available for sale | 15,676,000 | 15,688,000 | 15,091,000 | 12,349,000 |
| Securities held to maturity | 2,660,000 | 2,553,000 | 2,433,000 | 2,330,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 98,512,000 | 99,763,000 | 101,613,000 | 100,441,000 |
| Interest-bearing deposits | 91,915,000 | 92,123,000 | 92,816,000 | 91,948,000 |
| Noninterest-bearing deposits | 6,597,000 | 7,640,000 | 8,797,000 | 8,493,000 |
| Equity capital | 11,198,000 | 11,257,000 | 11,292,000 | 11,274,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 896,000 | 1,803,000 | 2,715,000 | 3,647,000 |
| Interest expense | 66,000 | 131,000 | 196,000 | 260,000 |
| Net interest income | 830,000 | 1,672,000 | 2,519,000 | 3,387,000 |
| Noninterest income | 253,000 | 387,000 | 533,000 | 679,000 |
| Noninterest expense | 1,042,000 | 1,949,000 | 2,839,000 | 3,658,000 |
| Provision for loan losses | 7,000 | 22,000 | 57,000 | 83,000 |
| Pretax income | 34,000 | 88,000 | 156,000 | 324,000 |
| Income tax | -12,000 | -4,000 | 6,000 | 53,000 |
| Net income | 46,000 | 92,000 | 150,000 | 271,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,946,000 | 10,993,000 | 11,044,000 | 11,207,000 |
| Total capital | 11,267,000 | 11,273,000 | 11,359,000 | 11,547,000 |
| Risk-weighted assets | 55,436,000 | 56,443,000 | 58,101,000 | 59,518,000 |