Call reports 2009
MUNICIPAL TRUST AND SAVINGS BANK — 2009
What MUNICIPAL TRUST AND SAVINGS BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 274,555,000 | 268,006,000 | 264,466,000 | 264,428,000 |
| Total loans | 154,416,000 | 154,319,000 | 153,909,000 | 150,903,000 |
| Allowance for loan losses | 1,509,000 | 1,560,000 | 1,680,000 | 3,260,000 |
| Securities available for sale | 508,000 | 507,000 | 514,000 | 507,000 |
| Securities held to maturity | 11,035,000 | 6,000,000 | 4,500,000 | 7,081,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 214,198,000 | 207,628,000 | 202,641,000 | 202,324,000 |
| Interest-bearing deposits | 196,065,000 | 189,657,000 | 182,724,000 | 182,544,000 |
| Noninterest-bearing deposits | 18,133,000 | 17,971,000 | 19,917,000 | 19,780,000 |
| Equity capital | 50,277,000 | 51,364,000 | 50,877,000 | 50,113,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 3,487,000 | 6,751,000 | 9,876,000 | 12,481,000 |
| Interest expense | 1,284,000 | 2,365,000 | 3,333,000 | 4,143,000 |
| Net interest income | 2,203,000 | 4,386,000 | 6,543,000 | 8,338,000 |
| Noninterest income | 222,000 | 389,000 | 546,000 | 704,000 |
| Noninterest expense | 798,000 | 1,963,000 | 2,964,000 | 4,082,000 |
| Provision for loan losses | 0 | 80,000 | 200,000 | 1,780,000 |
| Pretax income | 1,627,000 | 2,732,000 | 3,925,000 | 3,180,000 |
| Income tax | 24,000 | 41,000 | 61,000 | 72,000 |
| Net income | 1,603,000 | 2,691,000 | 3,864,000 | 3,108,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 50,268,000 | 51,356,000 | 50,862,000 | 50,105,000 |
| Total capital | 51,777,000 | 52,916,000 | 52,542,000 | 51,984,000 |
| Risk-weighted assets | 151,762,000 | 150,766,000 | 149,516,000 | 148,914,000 |
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