Call reports 2023
MERCER SAVINGS BANK — 2023
What MERCER SAVINGS BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 149,569,000 | 155,876,000 | 159,469,000 | 166,725,000 |
| Total loans | 119,773,000 | 127,922,000 | 134,510,000 | 140,185,000 |
| Allowance for loan losses | 961,000 | 961,000 | 934,000 | 967,000 |
| Securities available for sale | 13,271,000 | 11,653,000 | 11,450,000 | 11,649,000 |
| Securities held to maturity | 191,000 | 168,000 | 147,000 | 134,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 131,630,000 | 134,655,000 | 126,535,000 | 134,487,000 |
| Interest-bearing deposits | 114,992,000 | 110,699,000 | 106,599,000 | 116,354,000 |
| Noninterest-bearing deposits | 16,638,000 | 23,956,000 | 19,936,000 | 18,133,000 |
| Equity capital | 14,856,000 | 15,122,000 | 19,450,000 | 19,971,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 1,466,000 | 3,057,000 | 4,783,000 | 6,714,000 |
| Interest expense | 118,000 | 286,000 | 556,000 | 1,070,000 |
| Net interest income | 1,348,000 | 2,771,000 | 4,227,000 | 5,644,000 |
| Noninterest income | 119,000 | 228,000 | 334,000 | 427,000 |
| Noninterest expense | 1,076,000 | 2,249,000 | 3,427,000 | 4,702,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 391,000 | 751,000 | 1,135,000 | 1,370,000 |
| Income tax | 78,000 | 150,000 | 228,000 | 274,000 |
| Net income | 313,000 | 601,000 | 907,000 | 1,096,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,466,000 | 15,747,000 | 20,186,000 | 20,263,000 |
| Total capital | 16,427,000 | 16,708,000 | 21,120,000 | 21,230,000 |
| Risk-weighted assets | 97,472,000 | 105,738,000 | 111,207,000 | 117,495,000 |