Call reports 2015
MAGNOLIA STATE BANK — 2015
What MAGNOLIA STATE 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 | 189,726,000 | 182,450,000 | 182,183,000 | 176,372,000 |
| Total loans | 116,326,000 | 118,606,000 | 120,470,000 | 117,639,000 |
| Allowance for loan losses | 1,324,000 | 1,280,000 | 948,000 | 1,301,000 |
| Securities available for sale | 16,498,000 | 15,408,000 | 14,685,000 | 14,249,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 163,552,000 | 162,422,000 | 160,893,000 | 158,275,000 |
| Interest-bearing deposits | 124,869,000 | 122,828,000 | 120,925,000 | 118,750,000 |
| Noninterest-bearing deposits | 38,683,000 | 39,594,000 | 39,968,000 | 39,525,000 |
| Equity capital | 12,872,000 | 12,747,000 | 13,995,000 | 13,790,000 |
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 | 2,103,000 | 4,100,000 | 6,092,000 | 8,215,000 |
| Interest expense | 361,000 | 719,000 | 1,016,000 | 1,299,000 |
| Net interest income | 1,742,000 | 3,381,000 | 5,076,000 | 6,916,000 |
| Noninterest income | 350,000 | 617,000 | 1,822,000 | 2,076,000 |
| Noninterest expense | 1,760,000 | 3,555,000 | 5,347,000 | 7,293,000 |
| Provision for loan losses | 0 | 10,000 | 10,000 | 222,000 |
| Pretax income | 332,000 | 433,000 | 1,541,000 | 1,477,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 332,000 | 433,000 | 1,541,000 | 1,477,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,250,000 | 12,351,000 | 13,459,000 | 13,395,000 |
| Total capital | 13,574,000 | 13,631,000 | 14,407,000 | 14,696,000 |
| Risk-weighted assets | 125,151,000 | 123,281,000 | 124,081,000 | 123,585,000 |