Call reports 2016
MBL BANK — 2016
What MBL 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 | 320,374,000 | 314,634,000 | 319,365,000 | 331,361,000 |
| Total loans | 191,092,000 | 193,854,000 | 194,290,000 | 190,780,000 |
| Allowance for loan losses | 1,906,000 | 1,953,000 | 2,003,000 | 2,058,000 |
| Securities available for sale | 96,960,000 | 107,430,000 | 104,126,000 | 108,846,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 260,996,000 | 253,370,000 | 253,961,000 | 267,897,000 |
| Interest-bearing deposits | 225,980,000 | 221,008,000 | 220,653,000 | 235,517,000 |
| Noninterest-bearing deposits | 35,016,000 | 32,362,000 | 33,308,000 | 32,380,000 |
| Equity capital | 49,802,000 | 50,876,000 | 52,087,000 | 50,699,000 |
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 | 3,152,000 | 6,274,000 | 9,493,000 | 12,638,000 |
| Interest expense | 393,000 | 789,000 | 1,183,000 | 1,564,000 |
| Net interest income | 2,759,000 | 5,485,000 | 8,310,000 | 11,074,000 |
| Noninterest income | 215,000 | 449,000 | 685,000 | 926,000 |
| Noninterest expense | 1,178,000 | 2,326,000 | 3,484,000 | 4,582,000 |
| Provision for loan losses | 54,000 | 102,000 | 152,000 | 211,000 |
| Pretax income | 1,742,000 | 3,506,000 | 5,359,000 | 7,207,000 |
| Income tax | 561,000 | 1,134,000 | 1,732,000 | 2,326,000 |
| Net income | 1,181,000 | 2,372,000 | 3,627,000 | 4,881,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 49,165,000 | 49,945,000 | 51,207,000 | 52,117,000 |
| Total capital | 51,071,000 | 51,898,000 | 53,210,000 | 54,175,000 |
| Risk-weighted assets | 187,659,000 | 194,274,000 | 193,206,000 | 193,704,000 |