Call reports 2018
MERCER SAVINGS BANK — 2018
What MERCER SAVINGS BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 122,748,000 | 126,046,000 | 130,801,000 | 130,659,000 |
| Total loans | 100,537,000 | 106,294,000 | 109,856,000 | 109,371,000 |
| Allowance for loan losses | 470,000 | 489,000 | 505,000 | 535,000 |
| Securities available for sale | 5,674,000 | 3,568,000 | 3,461,000 | 3,395,000 |
| Securities held to maturity | 1,794,000 | 1,701,000 | 1,630,000 | 1,545,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 102,690,000 | 102,725,000 | 102,407,000 | 101,952,000 |
| Interest-bearing deposits | 93,540,000 | 94,326,000 | 93,770,000 | 93,288,000 |
| Noninterest-bearing deposits | 9,150,000 | 8,399,000 | 8,637,000 | 8,664,000 |
| Equity capital | 11,856,000 | 12,013,000 | 12,179,000 | 12,437,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 1,112,000 | 2,303,000 | 3,557,000 | 4,881,000 |
| Interest expense | 105,000 | 223,000 | 416,000 | 663,000 |
| Net interest income | 1,007,000 | 2,080,000 | 3,141,000 | 4,218,000 |
| Noninterest income | 131,000 | 262,000 | 410,000 | 623,000 |
| Noninterest expense | 924,000 | 1,841,000 | 2,796,000 | 3,756,000 |
| Provision for loan losses | 26,000 | 61,000 | 97,000 | 134,000 |
| Pretax income | 184,000 | 384,000 | 602,000 | 895,000 |
| Income tax | 40,000 | 83,000 | 129,000 | 170,000 |
| Net income | 144,000 | 301,000 | 473,000 | 725,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,878,000 | 12,035,000 | 12,206,000 | 12,458,000 |
| Total capital | 12,348,000 | 12,524,000 | 12,711,000 | 12,993,000 |
| Risk-weighted assets | 69,787,000 | 73,939,000 | 84,783,000 | 84,550,000 |