Call reports 2015
MER ROUGE STATE BANK, THE — 2015
What MER ROUGE STATE BANK, THE reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 45,077,000 | 42,645,000 | 42,679,000 | 42,093,000 |
| Total loans | 17,800,000 | 19,590,000 | 22,039,000 | 19,421,000 |
| Allowance for loan losses | 163,000 | 163,000 | 161,000 | 151,000 |
| Securities available for sale | 8,091,000 | 7,423,000 | 7,327,000 | 6,714,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 39,679,000 | 37,228,000 | 37,156,000 | 36,815,000 |
| Interest-bearing deposits | 38,926,000 | 36,320,000 | 35,345,000 | 35,157,000 |
| Noninterest-bearing deposits | 753,000 | 908,000 | 1,811,000 | 1,658,000 |
| Equity capital | 5,209,000 | 5,204,000 | 5,280,000 | 5,146,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 327,000 | 640,000 | 984,000 | 1,335,000 |
| Interest expense | 26,000 | 50,000 | 74,000 | 99,000 |
| Net interest income | 301,000 | 590,000 | 910,000 | 1,236,000 |
| Noninterest income | 27,000 | 66,000 | 99,000 | 129,000 |
| Noninterest expense | 299,000 | 584,000 | 870,000 | 1,156,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 29,000 | 76,000 | 143,000 | 213,000 |
| Income tax | -5,000 | 11,000 | 9,000 | 22,000 |
| Net income | 34,000 | 65,000 | 134,000 | 191,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,021,000 | 5,050,000 | 5,120,000 | 4,997,000 |
| Total capital | 5,184,000 | 5,213,000 | 5,281,000 | 5,148,000 |
| Risk-weighted assets | 19,488,000 | 21,674,000 | 28,679,000 | 25,701,000 |