Call reports 2009
MER ROUGE STATE BANK, THE — 2009
What MER ROUGE STATE BANK, THE reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 39,828,000 | 37,757,000 | 37,857,000 | 36,849,000 |
| Total loans | 18,375,000 | 21,348,000 | 22,304,000 | 20,233,000 |
| Allowance for loan losses | 283,000 | 283,000 | 282,000 | 342,000 |
| Securities available for sale | 8,201,000 | 9,646,000 | 9,143,000 | 8,403,000 |
| Securities held to maturity | 1,270,000 | 1,270,000 | 1,270,000 | 1,270,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 34,998,000 | 32,815,000 | 32,519,000 | 31,923,000 |
| Interest-bearing deposits | 26,934,000 | 26,304,000 | 25,551,000 | 24,908,000 |
| Noninterest-bearing deposits | 8,064,000 | 6,511,000 | 6,968,000 | 7,015,000 |
| Equity capital | 4,685,000 | 4,757,000 | 5,048,000 | 4,783,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 474,000 | 937,000 | 1,428,000 | 1,895,000 |
| Interest expense | 114,000 | 201,000 | 270,000 | 327,000 |
| Net interest income | 360,000 | 736,000 | 1,158,000 | 1,568,000 |
| Noninterest income | 46,000 | 79,000 | 121,000 | 157,000 |
| Noninterest expense | 285,000 | 573,000 | 862,000 | 1,188,000 |
| Provision for loan losses | 0 | 0 | 0 | 60,000 |
| Pretax income | 121,000 | 242,000 | 417,000 | 477,000 |
| Income tax | 33,000 | 78,000 | 116,000 | 130,000 |
| Net income | 88,000 | 164,000 | 301,000 | 347,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,669,000 | 4,746,000 | 4,883,000 | 4,659,000 |
| Total capital | 4,948,000 | 5,029,000 | 5,165,000 | 4,956,000 |
| Risk-weighted assets | 22,309,000 | 24,496,000 | 25,713,000 | 23,701,000 |