Call reports 2025
MERCER SAVINGS BANK — 2025
What MERCER SAVINGS BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 180,510,000 | 175,983,000 | 176,430,000 | 174,434,000 |
| Total loans | 154,888,000 | 153,300,000 | 151,726,000 | 150,585,000 |
| Allowance for loan losses | 934,000 | 962,000 | 960,000 | 913,000 |
| Securities available for sale | 9,835,000 | 9,593,000 | 9,656,000 | 9,824,000 |
| Securities held to maturity | 78,000 | 73,000 | 68,000 | 63,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 141,551,000 | 142,438,000 | 146,342,000 | 149,409,000 |
| Interest-bearing deposits | 121,422,000 | 126,441,000 | 129,267,000 | 132,386,000 |
| Noninterest-bearing deposits | 20,129,000 | 15,997,000 | 17,075,000 | 17,023,000 |
| Equity capital | 20,981,000 | 21,325,000 | 21,910,000 | 22,249,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 2,334,000 | 4,765,000 | 7,189,000 | 9,569,000 |
| Interest expense | 674,000 | 1,324,000 | 1,945,000 | 2,553,000 |
| Net interest income | 1,660,000 | 3,441,000 | 5,244,000 | 7,016,000 |
| Noninterest income | 119,000 | 187,000 | 275,000 | 370,000 |
| Noninterest expense | 1,626,000 | 2,940,000 | 4,345,000 | 5,948,000 |
| Provision for loan losses | 28,000 | 66,000 | 66,000 | 66,000 |
| Pretax income | 125,000 | 617,000 | 1,103,000 | 1,355,000 |
| Income tax | 8,000 | 101,000 | 186,000 | 224,000 |
| Net income | 117,000 | 516,000 | 917,000 | 1,131,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,280,000 | 21,594,000 | 22,072,000 | 22,386,000 |
| Total capital | 22,214,000 | 22,561,000 | 23,037,000 | 23,304,000 |
| Risk-weighted assets | 135,460,000 | 132,803,000 | 129,276,000 | 125,185,000 |