Call reports 2019
MERCER SAVINGS BANK — 2019
What MERCER SAVINGS BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 131,969,000 | 133,975,000 | 133,322,000 | 133,875,000 |
| Total loans | 110,911,000 | 111,876,000 | 111,195,000 | 114,174,000 |
| Allowance for loan losses | 575,000 | 600,000 | 637,000 | 681,000 |
| Securities available for sale | 3,345,000 | 3,311,000 | 3,253,000 | 2,956,000 |
| Securities held to maturity | 1,482,000 | 1,412,000 | 1,363,000 | 968,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 103,222,000 | 104,990,000 | 106,066,000 | 106,378,000 |
| Interest-bearing deposits | 93,755,000 | 95,237,000 | 95,771,000 | 96,650,000 |
| Noninterest-bearing deposits | 9,467,000 | 9,753,000 | 10,295,000 | 9,728,000 |
| Equity capital | 12,621,000 | 12,816,000 | 13,067,000 | 13,246,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 1,344,000 | 2,729,000 | 4,122,000 | 5,489,000 |
| Interest expense | 249,000 | 518,000 | 782,000 | 1,045,000 |
| Net interest income | 1,095,000 | 2,211,000 | 3,340,000 | 4,444,000 |
| Noninterest income | 117,000 | 278,000 | 451,000 | 576,000 |
| Noninterest expense | 970,000 | 1,989,000 | 2,945,000 | 3,909,000 |
| Provision for loan losses | 39,000 | 76,000 | 116,000 | 155,000 |
| Pretax income | 203,000 | 424,000 | 730,000 | 964,000 |
| Income tax | 38,000 | 89,000 | 152,000 | 203,000 |
| Net income | 165,000 | 335,000 | 578,000 | 761,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,623,000 | 12,793,000 | 13,035,000 | 13,220,000 |
| Total capital | 13,198,000 | 13,393,000 | 13,672,000 | 13,901,000 |
| Risk-weighted assets | 85,611,000 | 88,222,000 | 87,760,000 | 90,171,000 |