Call reports 2017
MERCER SAVINGS BANK — 2017
What MERCER SAVINGS BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 117,724,000 | 119,470,000 | 119,946,000 | 121,043,000 |
| Total loans | 87,207,000 | 91,182,000 | 93,929,000 | 97,878,000 |
| Allowance for loan losses | 369,000 | 394,000 | 420,000 | 446,000 |
| Securities available for sale | 11,299,000 | 9,269,000 | 5,943,000 | 5,796,000 |
| Securities held to maturity | 2,230,000 | 2,094,000 | 1,962,000 | 1,879,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 100,211,000 | 101,744,000 | 102,139,000 | 101,150,000 |
| Interest-bearing deposits | 91,137,000 | 91,166,000 | 91,570,000 | 91,251,000 |
| Noninterest-bearing deposits | 9,074,000 | 10,578,000 | 10,569,000 | 9,899,000 |
| Equity capital | 11,331,000 | 11,431,000 | 11,544,000 | 11,747,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 967,000 | 1,988,000 | 3,043,000 | 4,119,000 |
| Interest expense | 64,000 | 152,000 | 240,000 | 333,000 |
| Net interest income | 903,000 | 1,836,000 | 2,803,000 | 3,786,000 |
| Noninterest income | 114,000 | 228,000 | 363,000 | 495,000 |
| Noninterest expense | 926,000 | 1,836,000 | 2,745,000 | 3,679,000 |
| Provision for loan losses | 25,000 | 51,000 | 77,000 | 102,000 |
| Pretax income | 68,000 | 215,000 | 400,000 | 556,000 |
| Income tax | 12,000 | 52,000 | 104,000 | 29,000 |
| Net income | 56,000 | 163,000 | 296,000 | 527,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,262,000 | 11,369,000 | 11,502,000 | 11,734,000 |
| Total capital | 11,631,000 | 11,763,000 | 11,922,000 | 12,180,000 |
| Risk-weighted assets | 61,820,000 | 64,142,000 | 65,481,000 | 67,235,000 |