Call reports 2013
MIAMI SAVINGS BANK — 2013
What MIAMI SAVINGS BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 114,511,000 | 113,939,000 | 113,935,000 | 113,193,000 |
| Total loans | 83,385,000 | 85,140,000 | 88,922,000 | 90,695,000 |
| Allowance for loan losses | 1,159,000 | 1,005,000 | 1,045,000 | 1,092,000 |
| Securities available for sale | 9,566,000 | 7,547,000 | 5,074,000 | 3,572,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 99,383,000 | 98,669,000 | 98,368,000 | 97,487,000 |
| Interest-bearing deposits | 89,281,000 | 88,622,000 | 88,411,000 | 86,230,000 |
| Noninterest-bearing deposits | 10,102,000 | 10,047,000 | 9,957,000 | 11,257,000 |
| Equity capital | 14,494,000 | 14,599,000 | 14,791,000 | 14,936,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,013,000 | 2,040,000 | 3,094,000 | 4,161,000 |
| Interest expense | 225,000 | 444,000 | 658,000 | 866,000 |
| Net interest income | 788,000 | 1,596,000 | 2,436,000 | 3,295,000 |
| Noninterest income | 134,000 | 238,000 | 311,000 | 440,000 |
| Noninterest expense | 672,000 | 1,322,000 | 1,961,000 | 2,644,000 |
| Provision for loan losses | 60,000 | 125,000 | 165,000 | 245,000 |
| Pretax income | 190,000 | 387,000 | 621,000 | 846,000 |
| Income tax | 55,000 | 112,000 | 182,000 | 249,000 |
| Net income | 135,000 | 275,000 | 439,000 | 597,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,342,000 | 14,456,000 | 14,665,000 | 14,827,000 |
| Total capital | 15,214,000 | 15,360,000 | 15,575,000 | 15,739,000 |
| Risk-weighted assets | 71,783,000 | 72,261,000 | 73,399,000 | 72,789,000 |