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Balance Sheet
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Income Overview
Net Income
$171,270
EPS
$0.18
Unit: Dollar
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Page 1
Quarterly
123
Page 1
Income Statement
2025-12-31
2025-09-30
2025-06-30
Loans
2,192,413
2,082,770*
2,241,947
Investment securities
83,536
86,391*
83,546
Interest-bearing deposits and other
63,957
58,003*
77,138
Total interest income
2,339,906
2,227,164*
2,402,631
Deposits
550,387
461,445*
461,381
Federal home loan bank advances
42,233
274,064*
172,531
Total interest expense
592,620
735,509*
633,912
Net interest income
1,747,286
1,491,655*
1,768,719
Provision for credit gaines
-
-48,000*
38,000
Net interest income after provision for credit losses
1,747,286
1,539,655*
1,730,719
Service fees on deposits
62,915
142,821.5*
30,079
Late charges and fees on loans
40,010
39,255*
28,152
Gain on sale of loans
-
20*
8,968
Loan servicing fees
7,286
16,078*
6,344
Loss on sale of investments
-12,088
-
-
Gain on sale of foreclosed assets
528
1,745.5*
-
Bank owned life insurance
12,206
-2,601*
16,625
Other income
3,917
24,979*
4,014
Total noninterest income
114,774
222,298*
94,182
Salaries and employee benefits
759,099
593,483*
703,457
Directors fees
22,800
15,600*
22,800
Occupancy and equipment
168,971
142,900*
137,800
Data processing fees
197,480
363,295*
164,271
Franchise taxes
34,040
32,814*
35,959
Fdic insurance premiums
18,836
20,471*
20,169
Professional services
146,321
191,419*
114,544
Deposit account services expense
36,475
131,888*
19,181
Advertising
28,158
27,984*
21,722
Loan expenses
60,408
97,978*
55,534
Other
180,702
198,168*
102,224
Total noninterest expense
1,653,290
1,816,000*
1,397,661
Income before income taxes
208,770
-54,047*
427,240
Provision for income taxes
37,500
-25,258*
93,542
Net income
171,270
-28,789
333,698
Basic EPS
0.18
-0.03
0.36
Diluted EPS
0.18
-0.03
0.36
Basic Average Shares
956,482
950,821
931,299
Diluted Average Shares
971,316
960,958
936,828
Page 1
Unit: Dollar. Numbers labeled with * are estimated quarterly values.
Page 1
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Time Plot
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Income Statement
Loans
$2,192,413
Investment securities
$83,536
Interest-bearing deposits and
other
$63,957
Total interest income
$2,339,906
Net interest income
$1,747,286
Service fees on deposits
$62,915
Late charges and fees
on loans
$40,010
Bank owned life
insurance
$12,206
Total interest
expense
$592,620
Loan servicing fees
$7,286
Other income
$3,917
Gain on sale of
foreclosed assets
$528
Net interest income
after provision for...
$1,747,286
Total noninterest
income
$114,774
Loss on sale of
investments
-$12,088
Deposits
$550,387
Federal home loan bank
advances
$42,233
Income before income
taxes
$208,770
Total noninterest
expense
$1,653,290
Net income
$171,270
Provision for income taxes
$37,500
Salaries and employee
benefits
$759,099
Data processing fees
$197,480
Other
$180,702
Occupancy and equipment
$168,971
Professional services
$146,321
Loan expenses
$60,408
Deposit account
services expense
$36,475
Franchise taxes
$34,040
Advertising
$28,158
Directors fees
$22,800
Fdic insurance
premiums
$18,836
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Mercer Bancorp, Inc. (MSBB)
Mercer Bancorp, Inc. (MSBB)