Call reports 2010
MUTUAL SAVINGS BANK — 2010
What MUTUAL SAVINGS BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 130,447,000 | 126,119,000 | 122,879,000 | 118,142,000 |
| Total loans | 104,869,000 | 103,060,000 | 101,226,000 | 98,407,000 |
| Allowance for loan losses | 3,006,000 | 4,127,000 | 2,971,000 | 3,487,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 4,495,000 | 4,472,000 | 2,996,000 | 4,447,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 96,322,000 | 93,908,000 | 92,118,000 | 89,071,000 |
| Interest-bearing deposits | 84,798,000 | 81,026,000 | 78,950,000 | 76,195,000 |
| Noninterest-bearing deposits | 11,524,000 | 12,882,000 | 13,168,000 | 12,876,000 |
| Equity capital | 15,301,000 | 14,340,000 | 14,432,000 | 13,828,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,629,000 | 3,151,000 | 4,694,000 | 6,247,000 |
| Interest expense | 426,000 | 813,000 | 1,172,000 | 1,488,000 |
| Net interest income | 1,203,000 | 2,338,000 | 3,522,000 | 4,759,000 |
| Noninterest income | 188,000 | -143,000 | 100,000 | 337,000 |
| Noninterest expense | 1,295,000 | 2,633,000 | 3,874,000 | 5,269,000 |
| Provision for loan losses | 1,049,000 | 2,188,000 | 2,203,000 | 3,248,000 |
| Pretax income | -953,000 | -2,626,000 | -2,455,000 | -3,421,000 |
| Income tax | -372,000 | -1,031,000 | -952,000 | -1,339,000 |
| Net income | -581,000 | -1,595,000 | -1,503,000 | -2,082,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,062,000 | 14,043,000 | 14,138,000 | 11,802,000 |
| Total capital | 16,278,000 | 15,222,000 | 15,283,000 | 12,903,000 |
| Risk-weighted assets | 95,570,000 | 91,363,000 | 89,740,000 | 85,700,000 |