Call reports 2021
MERCER SAVINGS BANK — 2021
What MERCER SAVINGS BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 149,416,000 | 152,611,000 | 147,576,000 | 150,821,000 |
| Total loans | 109,506,000 | 110,688,000 | 114,044,000 | 114,168,000 |
| Allowance for loan losses | 898,000 | 943,000 | 958,000 | 973,000 |
| Securities available for sale | 6,485,000 | 9,702,000 | 8,585,000 | 9,371,000 |
| Securities held to maturity | 422,000 | 385,000 | 339,000 | 305,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 130,362,000 | 133,481,000 | 128,432,000 | 131,675,000 |
| Interest-bearing deposits | 115,351,000 | 118,906,000 | 115,634,000 | 117,781,000 |
| Noninterest-bearing deposits | 15,011,000 | 14,575,000 | 12,798,000 | 13,894,000 |
| Equity capital | 13,699,000 | 13,834,000 | 13,991,000 | 14,117,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 1,157,000 | 2,285,000 | 3,406,000 | 4,541,000 |
| Interest expense | 104,000 | 203,000 | 288,000 | 360,000 |
| Net interest income | 1,053,000 | 2,082,000 | 3,118,000 | 4,181,000 |
| Noninterest income | 58,000 | 154,000 | 266,000 | 418,000 |
| Noninterest expense | 930,000 | 1,848,000 | 2,804,000 | 3,774,000 |
| Provision for loan losses | 60,000 | 105,000 | 121,000 | 136,000 |
| Pretax income | 121,000 | 283,000 | 459,000 | 689,000 |
| Income tax | 28,000 | 65,000 | 104,000 | 154,000 |
| Net income | 93,000 | 218,000 | 355,000 | 535,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,682,000 | 13,807,000 | 13,945,000 | 14,124,000 |
| Total capital | 14,580,000 | 14,750,000 | 14,903,000 | 15,097,000 |
| Risk-weighted assets | 91,975,000 | 92,453,000 | 91,550,000 | 91,467,000 |