Call reports 2015
MACHIAS SAVINGS BANK — 2015
What MACHIAS 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 | 1,111,330,000 | 1,124,508,000 | 1,140,528,000 | 1,158,833,000 |
| Total loans | 977,543,000 | 978,337,000 | 992,899,000 | 1,016,833,000 |
| Allowance for loan losses | 21,040,000 | 20,979,000 | 20,972,000 | 20,911,000 |
| Securities available for sale | 34,271,000 | 34,061,000 | 32,007,000 | 32,272,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 12,000 | 0 | 0 |
| Total deposits | 923,445,000 | 935,187,000 | 938,086,000 | 954,480,000 |
| Interest-bearing deposits | 807,633,000 | 804,901,000 | 800,226,000 | 815,345,000 |
| Noninterest-bearing deposits | 115,812,000 | 130,286,000 | 137,860,000 | 139,135,000 |
| Equity capital | 140,496,000 | 142,305,000 | 143,641,000 | 146,369,000 |
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 | 12,668,000 | 25,338,000 | 38,338,000 | 51,454,000 |
| Interest expense | 1,464,000 | 2,758,000 | 3,987,000 | 5,125,000 |
| Net interest income | 11,204,000 | 22,580,000 | 34,351,000 | 46,329,000 |
| Noninterest income | 1,708,000 | 4,509,000 | 6,748,000 | 9,673,000 |
| Noninterest expense | 8,762,000 | 19,569,000 | 29,260,000 | 39,985,000 |
| Provision for loan losses | -27,000 | 430,000 | 310,000 | 426,000 |
| Pretax income | 4,188,000 | 6,941,000 | 11,017,000 | 13,618,000 |
| Income tax | 1,316,000 | 2,293,000 | 3,611,000 | 4,438,000 |
| Net income | 2,882,000 | 4,664,000 | 7,366,000 | 9,149,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 137,644,000 | 139,995,000 | 141,931,000 | 144,569,000 |
| Total capital | 151,253,000 | 153,976,000 | 155,368,000 | 158,598,000 |
| Risk-weighted assets | 1,058,256,000 | 1,059,723,000 | 1,066,983,000 | 1,085,672,000 |
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