Call reports 2015
MUTUAL SAVINGS BANK — 2015
What MUTUAL SAVINGS BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 125,441,000 | 122,734,000 | 125,829,000 | 126,852,000 |
| Total loans | 95,762,000 | 96,124,000 | 99,204,000 | 99,730,000 |
| Allowance for loan losses | 1,627,000 | 1,631,000 | 1,237,000 | 1,238,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 9,849,000 | 10,322,000 | 10,186,000 | 10,058,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 96,251,000 | 94,666,000 | 94,812,000 | 96,027,000 |
| Interest-bearing deposits | 78,457,000 | 76,642,000 | 75,053,000 | 76,468,000 |
| Noninterest-bearing deposits | 17,794,000 | 18,024,000 | 19,759,000 | 19,559,000 |
| Equity capital | 15,409,000 | 15,536,000 | 15,689,000 | 14,596,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,123,000 | 2,246,000 | 3,404,000 | 4,584,000 |
| Interest expense | 110,000 | 218,000 | 320,000 | 424,000 |
| Net interest income | 1,013,000 | 2,028,000 | 3,084,000 | 4,160,000 |
| Noninterest income | 207,000 | 361,000 | 257,000 | 485,000 |
| Noninterest expense | 1,003,000 | 1,969,000 | 3,090,000 | 4,148,000 |
| Provision for loan losses | 0 | 2,000 | -400,000 | -400,000 |
| Pretax income | 217,000 | 418,000 | 651,000 | 897,000 |
| Income tax | 76,000 | 150,000 | 230,000 | 297,000 |
| Net income | 141,000 | 268,000 | 421,000 | 600,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,143,000 | 14,870,000 | 15,023,000 | 14,172,000 |
| Total capital | 16,191,000 | 15,999,000 | 16,175,000 | 15,362,000 |
| Risk-weighted assets | 82,842,000 | 89,450,000 | 91,685,000 | 94,897,000 |