Call reports 2016
MIAMI SAVINGS BANK — 2016
What MIAMI SAVINGS BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 120,429,000 | 122,174,000 | 123,400,000 | 124,709,000 |
| Total loans | 92,330,000 | 91,969,000 | 92,026,000 | 91,508,000 |
| Allowance for loan losses | 1,059,000 | 1,074,000 | 1,089,000 | 1,104,000 |
| Securities available for sale | 2,610,000 | 2,616,000 | 1,609,000 | 859,000 |
| Securities held to maturity | 0 | 0 | 500,000 | 2,450,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 102,578,000 | 104,023,000 | 104,913,000 | 105,966,000 |
| Interest-bearing deposits | 86,945,000 | 87,346,000 | 86,114,000 | 87,619,000 |
| Noninterest-bearing deposits | 15,633,000 | 16,677,000 | 18,799,000 | 18,347,000 |
| Equity capital | 16,891,000 | 17,151,000 | 17,418,000 | 17,659,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,061,000 | 2,129,000 | 3,206,000 | 4,258,000 |
| Interest expense | 169,000 | 339,000 | 506,000 | 672,000 |
| Net interest income | 892,000 | 1,790,000 | 2,700,000 | 3,586,000 |
| Noninterest income | 130,000 | 339,000 | 530,000 | 663,000 |
| Noninterest expense | 673,000 | 1,378,000 | 2,056,000 | 2,705,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 334,000 | 721,000 | 1,100,000 | 1,433,000 |
| Income tax | 103,000 | 226,000 | 347,000 | 450,000 |
| Net income | 231,000 | 495,000 | 753,000 | 983,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,891,000 | 17,151,000 | 17,418,000 | 17,659,000 |
| Total capital | 17,800,000 | 18,051,000 | 18,307,000 | 18,560,000 |
| Risk-weighted assets | 72,642,000 | 71,858,000 | 70,952,000 | 71,880,000 |