Call reports 2020
MUTUAL SAVINGS BANK — 2020
What MUTUAL SAVINGS BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 183,393,000 | 201,332,000 | 202,668,000 | 209,895,000 |
| Total loans | 130,326,000 | 139,627,000 | 145,659,000 | 139,219,000 |
| Allowance for loan losses | 1,454,000 | 1,638,000 | 1,730,000 | 1,791,000 |
| Securities available for sale | 40,321,000 | 46,289,000 | 47,200,000 | 59,291,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 148,420,000 | 165,481,000 | 171,943,000 | 177,157,000 |
| Interest-bearing deposits | 120,631,000 | 133,631,000 | 140,405,000 | 145,112,000 |
| Noninterest-bearing deposits | 27,789,000 | 31,850,000 | 31,538,000 | 32,045,000 |
| Equity capital | 17,201,000 | 19,321,000 | 19,818,000 | 20,231,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 1,873,000 | 3,598,000 | 5,403,000 | 7,217,000 |
| Interest expense | 318,000 | 587,000 | 827,000 | 1,051,000 |
| Net interest income | 1,555,000 | 3,011,000 | 4,576,000 | 6,166,000 |
| Noninterest income | 532,000 | 1,441,000 | 2,481,000 | 3,213,000 |
| Noninterest expense | 1,510,000 | 3,172,000 | 4,995,000 | 6,910,000 |
| Provision for loan losses | 5,000 | 185,000 | 275,000 | 335,000 |
| Pretax income | 572,000 | 1,173,000 | 1,865,000 | 2,257,000 |
| Income tax | 99,000 | 199,000 | 338,000 | 384,000 |
| Net income | 473,000 | 974,000 | 1,527,000 | 1,873,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,504,000 | 17,893,000 | 18,321,000 | 18,585,000 |
| Total capital | 18,958,000 | 19,531,000 | 20,051,000 | 20,376,000 |
| Risk-weighted assets | 144,659,000 | 159,319,000 | 165,802,000 | 162,583,000 |