Call reports 2014
MUNICIPAL TRUST AND SAVINGS BANK — 2014
What MUNICIPAL TRUST AND SAVINGS BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 279,189,000 | 275,335,000 | 275,433,000 | 274,775,000 |
| Total loans | 169,692,000 | 168,796,000 | 163,457,000 | 158,330,000 |
| Allowance for loan losses | 3,717,000 | 3,692,000 | 3,673,000 | 3,702,000 |
| Securities available for sale | 487,000 | 493,000 | 492,000 | 496,000 |
| Securities held to maturity | 12,740,000 | 12,808,000 | 12,614,000 | 13,307,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 206,503,000 | 203,912,000 | 202,036,000 | 205,440,000 |
| Interest-bearing deposits | 166,445,000 | 165,906,000 | 163,869,000 | 163,885,000 |
| Noninterest-bearing deposits | 40,058,000 | 38,006,000 | 38,167,000 | 41,555,000 |
| Equity capital | 58,272,000 | 59,642,000 | 59,674,000 | 60,441,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 2,009,000 | 4,113,000 | 6,273,000 | 8,510,000 |
| Interest expense | 121,000 | 231,000 | 346,000 | 466,000 |
| Net interest income | 1,888,000 | 3,882,000 | 5,927,000 | 8,044,000 |
| Noninterest income | 200,000 | 516,000 | 790,000 | 1,068,000 |
| Noninterest expense | 962,000 | 1,895,000 | 2,798,000 | 4,019,000 |
| Provision for loan losses | 50,000 | 50,000 | 50,000 | 450,000 |
| Pretax income | 1,076,000 | 2,453,000 | 3,869,000 | 4,643,000 |
| Income tax | 23,000 | 36,000 | 57,000 | 69,000 |
| Net income | 1,053,000 | 2,417,000 | 3,812,000 | 4,574,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 58,282,000 | 59,642,000 | 59,674,000 | 60,431,000 |
| Total capital | 59,916,000 | 61,283,000 | 61,322,000 | 62,092,000 |
| Risk-weighted assets | 128,673,000 | 129,187,000 | 129,807,000 | 130,824,000 |