Call reports 2023
MUTUAL SAVINGS BANK — 2023
What MUTUAL SAVINGS BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 290,683,000 | 305,944,000 | 298,967,000 | 312,736,000 |
| Total loans | 184,167,000 | 188,040,000 | 191,634,000 | 197,267,000 |
| Allowance for loan losses | 2,780,000 | 2,904,000 | 2,947,000 | 2,972,000 |
| Securities available for sale | 82,355,000 | 80,848,000 | 76,844,000 | 80,366,000 |
| Securities held to maturity | 3,000,000 | 3,000,000 | 3,000,000 | 3,000,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 237,244,000 | 237,676,000 | 230,809,000 | 246,128,000 |
| Interest-bearing deposits | 189,869,000 | 193,991,000 | 187,372,000 | 202,424,000 |
| Noninterest-bearing deposits | 47,375,000 | 43,685,000 | 43,437,000 | 43,704,000 |
| Equity capital | 17,669,000 | 17,682,000 | 15,385,000 | 18,952,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 3,063,000 | 6,444,000 | 9,937,000 | 13,602,000 |
| Interest expense | 928,000 | 2,193,000 | 3,622,000 | 5,229,000 |
| Net interest income | 2,135,000 | 4,251,000 | 6,315,000 | 8,373,000 |
| Noninterest income | 233,000 | 515,000 | 830,000 | 1,106,000 |
| Noninterest expense | 1,935,000 | 3,931,000 | 5,885,000 | 7,828,000 |
| Provision for loan losses | 30,000 | 154,000 | 194,000 | 221,000 |
| Pretax income | 426,000 | 684,000 | 1,074,000 | 1,438,000 |
| Income tax | 7,000 | -23,000 | -3,000 | 2,000 |
| Net income | 419,000 | 707,000 | 1,077,000 | 1,436,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,081,000 | 31,381,000 | 31,645,000 | 31,958,000 |
| Total capital | 33,447,000 | 33,893,000 | 34,195,000 | 34,533,000 |
| Risk-weighted assets | 243,506,000 | 244,318,000 | 255,996,000 | 259,577,000 |