Call reports 2020
MERCER SAVINGS BANK — 2020
What MERCER SAVINGS BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 142,057,000 | 148,086,000 | 135,694,000 | 143,801,000 |
| Total loans | 115,087,000 | 111,129,000 | 109,889,000 | 107,091,000 |
| Allowance for loan losses | 719,000 | 779,000 | 839,000 | 872,000 |
| Securities available for sale | 2,847,000 | 2,890,000 | 2,833,000 | 4,117,000 |
| Securities held to maturity | 912,000 | 563,000 | 496,000 | 460,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 106,379,000 | 114,892,000 | 115,983,000 | 123,938,000 |
| Interest-bearing deposits | 96,063,000 | 102,077,000 | 102,632,000 | 109,934,000 |
| Noninterest-bearing deposits | 10,316,000 | 12,815,000 | 13,351,000 | 14,004,000 |
| Equity capital | 13,365,000 | 13,599,000 | 13,473,000 | 13,673,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 1,332,000 | 2,609,000 | 3,841,000 | 5,035,000 |
| Interest expense | 253,000 | 480,000 | 1,101,000 | 1,215,000 |
| Net interest income | 1,079,000 | 2,129,000 | 2,740,000 | 3,820,000 |
| Noninterest income | 106,000 | 258,000 | 471,000 | 683,000 |
| Noninterest expense | 952,000 | 1,893,000 | 2,827,000 | 3,805,000 |
| Provision for loan losses | 39,000 | 99,000 | 159,000 | 219,000 |
| Pretax income | 194,000 | 395,000 | 225,000 | 479,000 |
| Income tax | 43,000 | 89,000 | 54,000 | 110,000 |
| Net income | 151,000 | 306,000 | 171,000 | 369,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,371,000 | 13,526,000 | 13,391,000 | 13,589,000 |
| Total capital | 14,090,000 | 14,305,000 | 14,230,000 | 14,461,000 |
| Risk-weighted assets | 92,384,000 | 90,267,000 | 89,247,000 | 89,823,000 |