Call reports 2023
MUNICIPAL TRUST AND SAVINGS BANK — 2023
What MUNICIPAL TRUST AND SAVINGS BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 344,603,000 | 349,566,000 | 344,343,000 | 350,360,000 |
| Total loans | 232,106,000 | 242,844,000 | 244,969,000 | 244,277,000 |
| Allowance for loan losses | 2,516,000 | 2,516,000 | 2,516,000 | 2,666,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 86,981,000 | 85,435,000 | 83,888,000 | 81,872,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 283,494,000 | 285,870,000 | 276,140,000 | 272,349,000 |
| Interest-bearing deposits | 198,629,000 | 196,255,000 | 188,878,000 | 199,294,000 |
| Noninterest-bearing deposits | 84,865,000 | 89,615,000 | 87,262,000 | 73,055,000 |
| Equity capital | 48,476,000 | 50,823,000 | 53,124,000 | 54,908,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 3,438,000 | 7,176,000 | 11,231,000 | 15,387,000 |
| Interest expense | 258,000 | 641,000 | 1,195,000 | 1,954,000 |
| Net interest income | 3,180,000 | 6,535,000 | 10,036,000 | 13,433,000 |
| Noninterest income | 374,000 | 1,128,000 | 1,402,000 | 1,659,000 |
| Noninterest expense | 1,405,000 | 3,004,000 | 4,338,000 | 5,927,000 |
| Provision for loan losses | 0 | 0 | 0 | 150,000 |
| Pretax income | 2,149,000 | 4,659,000 | 7,100,000 | 9,015,000 |
| Income tax | 138,000 | 302,000 | 442,000 | 572,000 |
| Net income | 2,011,000 | 4,357,000 | 6,658,000 | 8,443,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 48,476,000 | 50,823,000 | 53,124,000 | 54,908,000 |