Call reports 2012
MER ROUGE STATE BANK, THE — 2012
What MER ROUGE STATE BANK, THE reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 45,097,000 | 43,324,000 | 44,724,000 | 43,506,000 |
| Total loans | 15,794,000 | 19,181,000 | 18,146,000 | 16,709,000 |
| Allowance for loan losses | 257,000 | 258,000 | 259,000 | 259,000 |
| Securities available for sale | 9,950,000 | 9,490,000 | 8,937,000 | 8,473,000 |
| Securities held to maturity | 435,000 | 435,000 | 270,000 | 130,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 39,691,000 | 37,778,000 | 39,050,000 | 38,138,000 |
| Interest-bearing deposits | 30,784,000 | 29,928,000 | 28,646,000 | 27,619,000 |
| Noninterest-bearing deposits | 8,907,000 | 7,850,000 | 10,404,000 | 10,519,000 |
| Equity capital | 5,184,000 | 5,276,000 | 5,365,000 | 5,173,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 367,000 | 735,000 | 1,111,000 | 1,475,000 |
| Interest expense | 39,000 | 79,000 | 117,000 | 152,000 |
| Net interest income | 328,000 | 656,000 | 994,000 | 1,323,000 |
| Noninterest income | 34,000 | 62,000 | 89,000 | 120,000 |
| Noninterest expense | 291,000 | 566,000 | 854,000 | 1,160,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 71,000 | 152,000 | 230,000 | 287,000 |
| Income tax | 11,000 | 27,000 | 37,000 | 46,000 |
| Net income | 60,000 | 125,000 | 193,000 | 241,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,943,000 | 5,007,000 | 5,076,000 | 4,914,000 |
| Total capital | 5,200,000 | 5,265,000 | 5,335,000 | 5,173,000 |
| Risk-weighted assets | 20,860,000 | 23,439,000 | 22,834,000 | 21,320,000 |