Call reports 2016
MUTUAL SAVINGS BANK — 2016
What MUTUAL SAVINGS BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 129,840,000 | 132,119,000 | 133,708,000 | 135,705,000 |
| Total loans | 102,378,000 | 105,259,000 | 107,899,000 | 111,067,000 |
| Allowance for loan losses | 1,240,000 | 1,243,000 | 1,249,000 | 1,247,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 10,030,000 | 10,075,000 | 9,251,000 | 8,945,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 97,700,000 | 97,723,000 | 99,134,000 | 98,849,000 |
| Interest-bearing deposits | 77,117,000 | 75,607,000 | 76,572,000 | 79,445,000 |
| Noninterest-bearing deposits | 20,583,000 | 22,116,000 | 22,562,000 | 19,404,000 |
| Equity capital | 14,490,000 | 14,638,000 | 14,822,000 | 15,058,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,179,000 | 2,386,000 | 3,632,000 | 4,901,000 |
| Interest expense | 106,000 | 217,000 | 332,000 | 457,000 |
| Net interest income | 1,073,000 | 2,169,000 | 3,300,000 | 4,444,000 |
| Noninterest income | 219,000 | 378,000 | 609,000 | 934,000 |
| Noninterest expense | 1,044,000 | 2,089,000 | 3,181,000 | 4,292,000 |
| Provision for loan losses | 1,000 | 1,000 | 2,000 | 6,000 |
| Pretax income | 247,000 | 457,000 | 726,000 | 1,080,000 |
| Income tax | 77,000 | 139,000 | 224,000 | 342,000 |
| Net income | 170,000 | 318,000 | 502,000 | 738,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,143,000 | 14,353,000 | 14,622,000 | 14,976,000 |
| Total capital | 15,328,000 | 15,596,000 | 15,871,000 | 16,223,000 |
| Risk-weighted assets | 94,593,000 | 99,296,000 | 104,570,000 | 108,132,000 |