Call reports 2021
MER ROUGE STATE BANK, THE — 2021
What MER ROUGE STATE BANK, THE reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 49,016,000 | 52,235,000 | 52,078,000 | 52,419,000 |
| Total loans | 19,369,000 | 22,370,000 | 22,675,000 | 15,871,000 |
| Allowance for loan losses | 136,000 | 138,000 | 139,000 | 109,000 |
| Securities available for sale | 4,747,000 | 10,021,000 | 13,305,000 | 12,783,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 43,887,000 | 47,092,000 | 46,920,000 | 47,400,000 |
| Interest-bearing deposits | 30,564,000 | 32,890,000 | 31,849,000 | 30,892,000 |
| Noninterest-bearing deposits | 13,323,000 | 14,202,000 | 15,071,000 | 16,508,000 |
| Equity capital | 5,083,000 | 5,064,000 | 5,043,000 | 5,014,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 390,000 | 735,000 | 1,093,000 | 1,406,000 |
| Interest expense | 26,000 | 45,000 | 62,000 | 78,000 |
| Net interest income | 364,000 | 690,000 | 1,031,000 | 1,328,000 |
| Noninterest income | 35,000 | 64,000 | 90,000 | 121,000 |
| Noninterest expense | 362,000 | 716,000 | 1,083,000 | 1,433,000 |
| Provision for loan losses | 0 | 0 | 2,000 | -29,000 |
| Pretax income | 37,000 | 38,000 | 36,000 | 45,000 |
| Income tax | 6,000 | 4,000 | 6,000 | -25,000 |
| Net income | 31,000 | 34,000 | 30,000 | 70,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,075,000 | 5,076,000 | 5,074,000 | 5,114,000 |