Call reports 2008
MUNICIPAL TRUST AND SAVINGS BANK — 2008
What MUNICIPAL TRUST AND SAVINGS BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 285,717,000 | 285,122,000 | 280,289,000 | 276,464,000 |
| Total loans | 161,044,000 | 154,679,000 | 153,634,000 | 156,996,000 |
| Allowance for loan losses | 1,495,000 | 1,495,000 | 1,495,000 | 1,509,000 |
| Securities available for sale | 507,000 | 496,000 | 497,000 | 503,000 |
| Securities held to maturity | 15,729,000 | 18,788,000 | 15,563,000 | 12,036,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 235,973,000 | 233,315,000 | 225,418,000 | 217,099,000 |
| Interest-bearing deposits | 217,485,000 | 212,886,000 | 206,233,000 | 199,980,000 |
| Noninterest-bearing deposits | 18,488,000 | 20,429,000 | 19,185,000 | 17,119,000 |
| Equity capital | 44,158,000 | 46,034,000 | 47,552,000 | 48,670,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 4,288,000 | 8,498,000 | 12,441,000 | 16,147,000 |
| Interest expense | 2,058,000 | 3,784,000 | 5,366,000 | 6,878,000 |
| Net interest income | 2,230,000 | 4,714,000 | 7,075,000 | 9,269,000 |
| Noninterest income | 399,000 | 740,000 | 941,000 | 1,115,000 |
| Noninterest expense | 838,000 | 1,748,000 | 2,771,000 | 3,982,000 |
| Provision for loan losses | 0 | 0 | 0 | 100,000 |
| Pretax income | 1,791,000 | 3,706,000 | 5,245,000 | 6,302,000 |
| Income tax | 24,000 | 51,000 | 73,000 | 88,000 |
| Net income | 1,767,000 | 3,655,000 | 5,172,000 | 6,214,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 44,146,000 | 46,034,000 | 47,551,000 | 48,662,000 |
| Total capital | 45,641,000 | 47,529,000 | 49,046,000 | 50,171,000 |
| Risk-weighted assets | 157,559,000 | 156,393,000 | 154,044,000 | 155,677,000 |
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