Call reports 2012
MUTUAL SAVINGS BANK — 2012
What MUTUAL SAVINGS BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 123,482,000 | 123,222,000 | 121,431,000 | 127,806,000 |
| Total loans | 98,353,000 | 100,514,000 | 100,282,000 | 99,213,000 |
| Allowance for loan losses | 2,560,000 | 2,555,000 | 2,330,000 | 2,249,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 7,431,000 | 6,874,000 | 6,452,000 | 5,863,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 92,441,000 | 89,633,000 | 88,436,000 | 90,805,000 |
| Interest-bearing deposits | 78,340,000 | 74,405,000 | 72,851,000 | 75,224,000 |
| Noninterest-bearing deposits | 14,101,000 | 15,228,000 | 15,585,000 | 15,581,000 |
| Equity capital | 14,252,000 | 14,341,000 | 15,098,000 | 15,151,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,333,000 | 2,677,000 | 3,997,000 | 5,269,000 |
| Interest expense | 215,000 | 430,000 | 637,000 | 844,000 |
| Net interest income | 1,118,000 | 2,247,000 | 3,360,000 | 4,425,000 |
| Noninterest income | 236,000 | 400,000 | 626,000 | 877,000 |
| Noninterest expense | 1,108,000 | 2,191,000 | 3,307,000 | 4,494,000 |
| Provision for loan losses | 31,000 | 98,000 | 268,000 | 299,000 |
| Pretax income | 215,000 | 358,000 | 411,000 | 509,000 |
| Income tax | 87,000 | 143,000 | 164,000 | 204,000 |
| Net income | 128,000 | 215,000 | 247,000 | 305,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,723,000 | 12,852,000 | 13,662,000 | 13,603,000 |
| Total capital | 13,784,000 | 13,909,000 | 14,707,000 | 14,646,000 |
| Risk-weighted assets | 83,379,000 | 83,074,000 | 82,296,000 | 82,221,000 |