Call reports 2013
MUNICIPAL TRUST AND SAVINGS BANK — 2013
What MUNICIPAL TRUST AND SAVINGS BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 273,012,000 | 267,761,000 | 267,541,000 | 263,444,000 |
| Total loans | 151,884,000 | 160,368,000 | 161,412,000 | 162,875,000 |
| Allowance for loan losses | 3,400,000 | 3,550,000 | 3,593,000 | 3,697,000 |
| Securities available for sale | 1,530,000 | 1,481,000 | 1,474,000 | 484,000 |
| Securities held to maturity | 10,102,000 | 12,454,000 | 10,913,000 | 11,487,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 203,324,000 | 200,468,000 | 198,105,000 | 197,404,000 |
| Interest-bearing deposits | 171,664,000 | 168,828,000 | 166,754,000 | 164,595,000 |
| Noninterest-bearing deposits | 31,660,000 | 31,640,000 | 31,351,000 | 32,809,000 |
| Equity capital | 56,622,000 | 57,364,000 | 58,599,000 | 57,216,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 2,039,000 | 4,071,000 | 6,191,000 | 8,294,000 |
| Interest expense | 157,000 | 288,000 | 404,000 | 512,000 |
| Net interest income | 1,882,000 | 3,783,000 | 5,787,000 | 7,782,000 |
| Noninterest income | 402,000 | 426,000 | 708,000 | 998,000 |
| Noninterest expense | 898,000 | 1,872,000 | 2,747,000 | 3,811,000 |
| Provision for loan losses | 100,000 | 250,000 | 400,000 | 550,000 |
| Pretax income | 1,286,000 | 2,087,000 | 3,348,000 | 4,411,000 |
| Income tax | 21,000 | 31,000 | 50,000 | 66,000 |
| Net income | 1,265,000 | 2,056,000 | 3,298,000 | 4,345,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 56,592,000 | 57,364,000 | 58,599,000 | 57,224,000 |
| Total capital | 58,381,000 | 58,966,000 | 60,228,000 | 58,835,000 |
| Risk-weighted assets | 141,530,000 | 126,244,000 | 128,348,000 | 126,772,000 |
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