Call reports 2015
MBANK — 2015
What MBANK 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 | 718,098,000 | 725,822,000 | 746,328,000 | 736,116,000 |
| Total loans | 589,180,000 | 608,524,000 | 614,241,000 | 618,280,000 |
| Allowance for loan losses | 5,348,000 | 5,421,000 | 5,606,000 | 4,963,000 |
| Securities available for sale | 63,313,000 | 60,561,000 | 54,432,000 | 53,728,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 599,291,000 | 590,083,000 | 623,562,000 | 611,894,000 |
| Interest-bearing deposits | 493,961,000 | 481,493,000 | 508,229,000 | 488,217,000 |
| Noninterest-bearing deposits | 105,330,000 | 108,590,000 | 115,333,000 | 123,677,000 |
| Equity capital | 78,950,000 | 80,499,000 | 82,095,000 | 83,738,000 |
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 | 8,332,000 | 16,146,000 | 24,311,000 | 32,704,000 |
| Interest expense | 975,000 | 1,930,000 | 2,926,000 | 3,873,000 |
| Net interest income | 7,357,000 | 14,216,000 | 21,385,000 | 28,831,000 |
| Noninterest income | 601,000 | 1,702,000 | 2,241,000 | 3,146,000 |
| Noninterest expense | 5,199,000 | 10,351,000 | 15,634,000 | 21,316,000 |
| Provision for loan losses | 300,000 | 500,000 | 800,000 | 1,150,000 |
| Pretax income | 2,469,000 | 5,336,000 | 7,594,000 | 9,966,000 |
| Income tax | 842,000 | 1,820,000 | 2,591,000 | 3,026,000 |
| Net income | 1,627,000 | 3,516,000 | 5,003,000 | 6,940,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 67,904,000 | 70,807,000 | 72,805,000 | 77,254,000 |
| Total capital | 73,252,000 | 76,228,000 | 78,411,000 | 82,217,000 |
| Risk-weighted assets | 585,352,000 | 639,456,000 | 641,199,000 | 634,537,000 |