Call reports 2016
MACHIAS SAVINGS BANK — 2016
What MACHIAS 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 | 1,171,622,000 | 1,200,392,000 | 1,234,183,000 | 1,269,811,000 |
| Total loans | 1,022,731,000 | 1,052,736,000 | 1,050,176,000 | 1,089,308,000 |
| Allowance for loan losses | 20,897,000 | 20,900,000 | 20,701,000 | 20,639,000 |
| Securities available for sale | 32,744,000 | 33,277,000 | 34,273,000 | 30,085,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 975,409,000 | 972,212,000 | 1,031,117,000 | 1,057,015,000 |
| Interest-bearing deposits | 842,086,000 | 834,125,000 | 869,495,000 | 907,859,000 |
| Noninterest-bearing deposits | 133,323,000 | 138,087,000 | 161,622,000 | 149,156,000 |
| Equity capital | 148,979,000 | 151,227,000 | 154,523,000 | 158,589,000 |
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 | 13,446,000 | 26,688,000 | 40,230,000 | 54,036,000 |
| Interest expense | 1,175,000 | 2,398,000 | 3,633,000 | 4,850,000 |
| Net interest income | 12,271,000 | 24,290,000 | 36,597,000 | 49,186,000 |
| Noninterest income | 2,227,000 | 4,543,000 | 7,343,000 | 10,297,000 |
| Noninterest expense | 10,715,000 | 21,559,000 | 32,546,000 | 42,719,000 |
| Provision for loan losses | 251,000 | 595,000 | 894,000 | 1,297,000 |
| Pretax income | 3,532,000 | 6,066,000 | 9,868,000 | 15,370,000 |
| Income tax | 1,137,000 | 2,017,000 | 3,097,000 | 4,924,000 |
| Net income | 2,374,000 | 3,995,000 | 6,695,000 | 10,368,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 146,491,000 | 148,178,000 | 150,944,000 | 154,684,000 |
| Total capital | 160,666,000 | 163,009,000 | 165,922,000 | 170,219,000 |
| Risk-weighted assets | 1,092,565,000 | 1,113,579,000 | 1,098,175,000 | 1,105,840,000 |