Call reports 2015
BANK OF MAGNOLIA COMPANY, THE — 2015
What BANK OF MAGNOLIA COMPANY, 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 | 79,068,000 | 77,045,000 | 78,806,000 | 78,569,000 |
| Total loans | 33,636,000 | 34,465,000 | 33,963,000 | 33,014,000 |
| Allowance for loan losses | 358,000 | 373,000 | 388,000 | 402,000 |
| Securities available for sale | 22,187,000 | 23,716,000 | 22,725,000 | 23,805,000 |
| Securities held to maturity | 9,654,000 | 9,143,000 | 8,934,000 | 8,672,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 69,265,000 | 66,352,000 | 68,894,000 | 68,754,000 |
| Interest-bearing deposits | 50,686,000 | 49,791,000 | 51,381,000 | 50,145,000 |
| Noninterest-bearing deposits | 18,579,000 | 16,561,000 | 17,513,000 | 18,609,000 |
| Equity capital | 8,987,000 | 9,054,000 | 9,082,000 | 8,930,000 |
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 | 572,000 | 1,160,000 | 1,751,000 | 2,323,000 |
| Interest expense | 12,000 | 25,000 | 38,000 | 53,000 |
| Net interest income | 560,000 | 1,135,000 | 1,713,000 | 2,270,000 |
| Noninterest income | 85,000 | 176,000 | 271,000 | 358,000 |
| Noninterest expense | 480,000 | 1,021,000 | 1,569,000 | 2,196,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 150,000 | 260,000 | 372,000 | 374,000 |
| Income tax | 12,000 | 12,000 | 12,000 | 11,000 |
| Net income | 138,000 | 248,000 | 360,000 | 363,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,538,000 | 8,648,000 | 8,695,000 | 8,581,000 |
| Total capital | 8,896,000 | 9,021,000 | 9,083,000 | 8,983,000 |
| Risk-weighted assets | 42,465,000 | 41,214,000 | 42,049,000 | 43,161,000 |