Call reports 2022
MERCER SAVINGS BANK — 2022
What MERCER SAVINGS BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 152,664,000 | 156,570,000 | 153,545,000 | 146,987,000 |
| Total loans | 112,638,000 | 115,393,000 | 119,339,000 | 119,901,000 |
| Allowance for loan losses | 983,000 | 984,000 | 984,000 | 961,000 |
| Securities available for sale | 8,785,000 | 12,987,000 | 12,572,000 | 13,321,000 |
| Securities held to maturity | 279,000 | 257,000 | 233,000 | 212,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 134,781,000 | 138,877,000 | 135,454,000 | 128,537,000 |
| Interest-bearing deposits | 120,294,000 | 118,168,000 | 116,551,000 | 112,258,000 |
| Noninterest-bearing deposits | 14,487,000 | 20,709,000 | 18,903,000 | 16,279,000 |
| Equity capital | 13,912,000 | 13,701,000 | 14,007,000 | 14,477,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 1,117,000 | 2,301,000 | 3,582,000 | 5,001,000 |
| Interest expense | 68,000 | 131,000 | 192,000 | 248,000 |
| Net interest income | 1,049,000 | 2,170,000 | 3,390,000 | 4,753,000 |
| Noninterest income | 109,000 | 236,000 | 520,000 | 630,000 |
| Noninterest expense | 975,000 | 1,928,000 | 2,992,000 | 4,052,000 |
| Provision for loan losses | 10,000 | 11,000 | 11,000 | 11,000 |
| Pretax income | 173,000 | 467,000 | 907,000 | 1,312,000 |
| Income tax | 20,000 | 71,000 | 117,000 | 193,000 |
| Net income | 153,000 | 396,000 | 790,000 | 1,119,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,277,000 | 14,400,000 | 14,771,000 | 15,136,000 |
| Total capital | 15,260,000 | 15,384,000 | 15,755,000 | 16,097,000 |
| Risk-weighted assets | 89,787,000 | 92,728,000 | 95,161,000 | 95,911,000 |