Call reports 2015
MUNICIPAL TRUST AND SAVINGS BANK — 2015
What MUNICIPAL TRUST AND SAVINGS BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 286,165,000 | 274,731,000 | 280,556,000 | 278,148,000 |
| Total loans | 159,179,000 | 165,629,000 | 165,975,000 | 164,460,000 |
| Allowance for loan losses | 3,645,000 | 3,622,000 | 3,610,000 | 2,864,000 |
| Securities available for sale | 500,000 | 494,000 | 499,000 | 493,000 |
| Securities held to maturity | 12,904,000 | 13,504,000 | 12,351,000 | 12,960,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 212,712,000 | 202,782,000 | 209,781,000 | 208,979,000 |
| Interest-bearing deposits | 168,568,000 | 162,879,000 | 168,739,000 | 168,130,000 |
| Noninterest-bearing deposits | 44,144,000 | 39,903,000 | 41,042,000 | 40,849,000 |
| Equity capital | 58,815,000 | 60,348,000 | 59,368,000 | 60,681,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 2,196,000 | 4,499,000 | 6,781,000 | 9,105,000 |
| Interest expense | 109,000 | 231,000 | 354,000 | 483,000 |
| Net interest income | 2,087,000 | 4,268,000 | 6,427,000 | 8,622,000 |
| Noninterest income | 337,000 | 694,000 | 965,000 | 1,196,000 |
| Noninterest expense | 901,000 | 1,877,000 | 2,846,000 | 4,032,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,523,000 | 3,085,000 | 4,546,000 | 5,786,000 |
| Income tax | 31,000 | 53,000 | 75,000 | 82,000 |
| Net income | 1,492,000 | 3,032,000 | 4,471,000 | 5,704,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 58,815,000 | 60,348,000 | 59,368,000 | 60,682,000 |
| Total capital | 60,498,000 | 62,119,000 | 61,117,000 | 62,435,000 |
| Risk-weighted assets | 132,681,000 | 139,811,000 | 138,089,000 | 139,148,000 |