Call reports 2014
MUTUAL SAVINGS BANK — 2014
What MUTUAL SAVINGS BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 121,856,000 | 121,752,000 | 123,779,000 | 123,327,000 |
| Total loans | 95,818,000 | 96,099,000 | 95,169,000 | 95,155,000 |
| Allowance for loan losses | 1,997,000 | 1,880,000 | 1,882,000 | 1,540,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 6,458,000 | 6,365,000 | 8,771,000 | 9,867,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 91,663,000 | 91,623,000 | 93,445,000 | 93,760,000 |
| Interest-bearing deposits | 74,010,000 | 75,056,000 | 76,571,000 | 77,571,000 |
| Noninterest-bearing deposits | 17,653,000 | 16,567,000 | 16,874,000 | 16,189,000 |
| Equity capital | 15,325,000 | 15,230,000 | 15,346,000 | 15,513,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,157,000 | 2,289,000 | 3,433,000 | 4,569,000 |
| Interest expense | 143,000 | 263,000 | 380,000 | 495,000 |
| Net interest income | 1,014,000 | 2,026,000 | 3,053,000 | 4,074,000 |
| Noninterest income | 152,000 | 344,000 | 544,000 | 701,000 |
| Noninterest expense | 1,055,000 | 2,117,000 | 3,151,000 | 4,135,000 |
| Provision for loan losses | 3,000 | 2,000 | 3,000 | -115,000 |
| Pretax income | 108,000 | 251,000 | 443,000 | 755,000 |
| Income tax | 42,000 | 99,000 | 177,000 | 300,000 |
| Net income | 66,000 | 152,000 | 266,000 | 455,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,147,000 | 14,054,000 | 14,339,000 | 14,506,000 |
| Total capital | 15,160,000 | 15,103,000 | 15,392,000 | 15,565,000 |
| Risk-weighted assets | 80,056,000 | 83,066,000 | 83,441,000 | 84,218,000 |