Call reports 2012
MUNICIPAL TRUST AND SAVINGS BANK — 2012
What MUNICIPAL TRUST AND SAVINGS BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 263,974,000 | 256,044,000 | 257,676,000 | 260,058,000 |
| Total loans | 140,606,000 | 146,187,000 | 145,342,000 | 150,521,000 |
| Allowance for loan losses | 2,672,000 | 2,894,000 | 3,194,000 | 3,455,000 |
| Securities available for sale | 1,028,000 | 1,041,000 | 1,049,000 | 1,037,000 |
| Securities held to maturity | 6,750,000 | 6,000,000 | 5,686,000 | 8,177,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 202,539,000 | 195,711,000 | 194,388,000 | 197,216,000 |
| Interest-bearing deposits | 178,575,000 | 171,531,000 | 169,357,000 | 168,223,000 |
| Noninterest-bearing deposits | 23,964,000 | 24,180,000 | 25,031,000 | 28,993,000 |
| Equity capital | 54,373,000 | 55,233,000 | 56,205,000 | 56,983,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 2,131,000 | 4,282,000 | 6,331,000 | 8,388,000 |
| Interest expense | 341,000 | 615,000 | 831,000 | 1,013,000 |
| Net interest income | 1,790,000 | 3,667,000 | 5,500,000 | 7,375,000 |
| Noninterest income | 317,000 | 557,000 | 939,000 | 1,275,000 |
| Noninterest expense | 907,000 | 1,943,000 | 2,857,000 | 3,963,000 |
| Provision for loan losses | 150,000 | 375,000 | 675,000 | 975,000 |
| Pretax income | 1,050,000 | 1,906,000 | 2,907,000 | 3,712,000 |
| Income tax | 6,000 | 15,000 | 52,000 | 66,000 |
| Net income | 1,044,000 | 1,891,000 | 2,855,000 | 3,646,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 54,345,000 | 55,192,000 | 56,156,000 | 56,946,000 |
| Total capital | 56,059,000 | 56,909,000 | 57,907,000 | 58,702,000 |
| Risk-weighted assets | 136,141,000 | 136,205,000 | 138,613,000 | 138,794,000 |
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