Call reports 2017
MER ROUGE STATE BANK, THE — 2017
What MER ROUGE STATE BANK, THE reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 41,586,000 | 39,735,000 | 39,720,000 | 40,561,000 |
| Total loans | 17,695,000 | 21,909,000 | 23,892,000 | 21,033,000 |
| Allowance for loan losses | 176,000 | 191,000 | 176,000 | 191,000 |
| Securities available for sale | 6,510,000 | 7,618,000 | 7,518,000 | 6,781,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 36,291,000 | 34,373,000 | 34,248,000 | 35,364,000 |
| Interest-bearing deposits | 27,656,000 | 26,613,000 | 26,052,000 | 26,368,000 |
| Noninterest-bearing deposits | 8,635,000 | 7,760,000 | 8,196,000 | 8,996,000 |
| Equity capital | 5,142,000 | 5,181,000 | 5,249,000 | 5,096,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 368,000 | 740,000 | 1,148,000 | 1,552,000 |
| Interest expense | 23,000 | 46,000 | 72,000 | 98,000 |
| Net interest income | 345,000 | 694,000 | 1,076,000 | 1,454,000 |
| Noninterest income | 44,000 | 69,000 | 95,000 | 122,000 |
| Noninterest expense | 311,000 | 627,000 | 930,000 | 1,239,000 |
| Provision for loan losses | 15,000 | 29,000 | 44,000 | 59,000 |
| Pretax income | 63,000 | 107,000 | 197,000 | 278,000 |
| Income tax | 17,000 | 33,000 | 47,000 | 66,000 |
| Net income | 46,000 | 74,000 | 150,000 | 212,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,063,000 | 5,090,000 | 5,166,000 | 5,050,000 |
| Total capital | 5,239,000 | 5,281,000 | 5,342,000 | 5,241,000 |
| Risk-weighted assets | 23,170,000 | 25,956,000 | 28,445,000 | 25,358,000 |