Call reports 2025
MER ROUGE STATE BANK, THE — 2025
What MER ROUGE STATE BANK, THE reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 50,550,000 | 46,535,000 | 47,850,000 | 50,025,000 |
| Total loans | 23,734,000 | 25,236,000 | 27,984,000 | 25,221,000 |
| Allowance for loan losses | 283,000 | 313,000 | 323,000 | 323,000 |
| Securities available for sale | 12,999,000 | 12,847,000 | 11,744,000 | 11,029,000 |
| Securities held to maturity | 806,000 | 780,000 | 754,000 | 729,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 45,493,000 | 41,302,000 | 42,367,000 | 44,617,000 |
| Interest-bearing deposits | 29,080,000 | 28,381,000 | 29,017,000 | 28,668,000 |
| Noninterest-bearing deposits | 16,413,000 | 12,921,000 | 13,350,000 | 15,949,000 |
| Equity capital | 4,940,000 | 5,076,000 | 5,307,000 | 5,334,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 730,000 | 1,402,000 | 2,063,000 | 2,737,000 |
| Interest expense | 163,000 | 316,000 | 464,000 | 608,000 |
| Net interest income | 567,000 | 1,086,000 | 1,599,000 | 2,129,000 |
| Noninterest income | 37,000 | 64,000 | 96,000 | 125,000 |
| Noninterest expense | 442,000 | 886,000 | 1,339,000 | 1,772,000 |
| Provision for loan losses | 30,000 | 60,000 | 70,000 | 70,000 |
| Pretax income | 132,000 | 204,000 | 286,000 | 412,000 |
| Income tax | 39,000 | 66,000 | 90,000 | 111,000 |
| Net income | 93,000 | 138,000 | 196,000 | 301,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,148,000 | 6,195,000 | 6,252,000 | 6,208,000 |