Call reports 2016
MUNICIPAL TRUST AND SAVINGS BANK — 2016
What MUNICIPAL TRUST AND SAVINGS BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 286,825,000 | 290,508,000 | 305,247,000 | 301,949,000 |
| Total loans | 166,934,000 | 166,166,000 | 174,798,000 | 173,783,000 |
| Allowance for loan losses | 2,864,000 | 2,864,000 | 2,864,000 | 2,813,000 |
| Securities available for sale | 500,000 | 503,000 | 501,000 | 485,000 |
| Securities held to maturity | 20,975,000 | 27,441,000 | 31,869,000 | 32,191,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 222,115,000 | 224,338,000 | 236,465,000 | 237,831,000 |
| Interest-bearing deposits | 175,800,000 | 174,809,000 | 185,143,000 | 190,083,000 |
| Noninterest-bearing deposits | 46,315,000 | 49,529,000 | 51,322,000 | 47,748,000 |
| Equity capital | 54,843,000 | 56,265,000 | 57,799,000 | 55,276,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 2,289,000 | 4,650,000 | 7,044,000 | 9,501,000 |
| Interest expense | 143,000 | 299,000 | 461,000 | 628,000 |
| Net interest income | 2,146,000 | 4,351,000 | 6,583,000 | 8,873,000 |
| Noninterest income | 359,000 | 522,000 | 851,000 | 1,173,000 |
| Noninterest expense | 1,004,000 | 1,933,000 | 2,935,000 | 4,119,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,501,000 | 2,940,000 | 4,499,000 | 5,927,000 |
| Income tax | 23,000 | 45,000 | 68,000 | 88,000 |
| Net income | 1,478,000 | 2,895,000 | 4,431,000 | 5,839,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 54,844,000 | 56,272,000 | 57,809,000 | 55,300,000 |
| Total capital | 56,633,000 | 58,076,000 | 59,677,000 | 57,176,000 |
| Risk-weighted assets | 142,047,000 | 143,294,000 | 148,433,000 | 149,142,000 |