Call reports 2015
MIAMI SAVINGS BANK — 2015
What MIAMI SAVINGS BANK 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 | 116,508,000 | 114,686,000 | 117,685,000 | 119,050,000 |
| Total loans | 92,616,000 | 90,916,000 | 90,824,000 | 91,683,000 |
| Allowance for loan losses | 1,065,000 | 1,080,000 | 1,029,000 | 1,044,000 |
| Securities available for sale | 2,620,000 | 2,617,000 | 2,622,000 | 2,607,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 99,413,000 | 97,536,000 | 100,030,000 | 101,328,000 |
| Interest-bearing deposits | 85,682,000 | 85,802,000 | 87,659,000 | 86,980,000 |
| Noninterest-bearing deposits | 13,731,000 | 11,734,000 | 12,371,000 | 14,348,000 |
| Equity capital | 15,946,000 | 16,211,000 | 16,417,000 | 16,665,000 |
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 | 1,050,000 | 2,104,000 | 3,158,000 | 4,228,000 |
| Interest expense | 171,000 | 343,000 | 519,000 | 697,000 |
| Net interest income | 879,000 | 1,761,000 | 2,639,000 | 3,531,000 |
| Noninterest income | 166,000 | 370,000 | 542,000 | 714,000 |
| Noninterest expense | 675,000 | 1,347,000 | 2,031,000 | 2,696,000 |
| Provision for loan losses | 50,000 | 65,000 | 130,000 | 145,000 |
| Pretax income | 320,000 | 719,000 | 1,020,000 | 1,404,000 |
| Income tax | 99,000 | 226,000 | 318,000 | 439,000 |
| Net income | 221,000 | 493,000 | 702,000 | 965,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,896,000 | 16,082,000 | 16,294,000 | 16,526,000 |
| Total capital | 16,806,000 | 16,982,000 | 17,182,000 | 17,417,000 |
| Risk-weighted assets | 72,632,000 | 71,751,000 | 70,859,000 | 71,058,000 |