Call reports 2020
MUNICIPAL TRUST AND SAVINGS BANK — 2020
What MUNICIPAL TRUST AND SAVINGS BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 320,612,000 | 324,804,000 | 324,366,000 | 328,429,000 |
| Total loans | 186,794,000 | 200,192,000 | 207,008,000 | 202,480,000 |
| Allowance for loan losses | 2,731,000 | 2,731,000 | 2,731,000 | 2,731,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 26,529,000 | 25,126,000 | 23,355,000 | 22,326,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 259,457,000 | 265,664,000 | 262,482,000 | 269,599,000 |
| Interest-bearing deposits | 201,956,000 | 199,732,000 | 198,649,000 | 193,973,000 |
| Noninterest-bearing deposits | 57,501,000 | 65,932,000 | 63,833,000 | 75,626,000 |
| Equity capital | 49,588,000 | 47,855,000 | 50,009,000 | 46,311,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 3,185,000 | 6,565,000 | 9,582,000 | 12,436,000 |
| Interest expense | 505,000 | 941,000 | 1,338,000 | 1,694,000 |
| Net interest income | 2,680,000 | 5,624,000 | 8,244,000 | 10,742,000 |
| Noninterest income | 402,000 | 864,000 | 1,641,000 | 2,208,000 |
| Noninterest expense | 1,029,000 | 2,131,000 | 3,340,000 | 4,983,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 2,053,000 | 4,357,000 | 6,545,000 | 7,967,000 |
| Income tax | 36,000 | 70,000 | 103,000 | 124,000 |
| Net income | 2,017,000 | 4,287,000 | 6,442,000 | 7,843,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 49,589,000 | 47,856,000 | 50,010,000 | 46,311,000 |
| Total capital | 51,628,000 | 49,975,000 | 52,188,000 | 48,452,000 |
| Risk-weighted assets | 162,452,000 | 168,927,000 | 173,645,000 | 170,709,000 |