Call reports 2015
MUTUAL SAVINGS ASSOCIATION — 2015
What MUTUAL SAVINGS ASSOCIATION 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 | 198,079,000 | 194,262,000 | 194,931,000 | 197,183,000 |
| Total loans | 113,205,000 | 114,790,000 | 113,901,000 | 114,177,000 |
| Allowance for loan losses | 1,536,000 | 1,533,000 | 1,537,000 | 1,535,000 |
| Securities available for sale | 34,481,000 | 32,258,000 | 30,449,000 | 29,423,000 |
| Securities held to maturity | 8,739,000 | 8,305,000 | 8,024,000 | 7,349,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 138,097,000 | 134,007,000 | 134,148,000 | 136,774,000 |
| Interest-bearing deposits | 126,313,000 | 122,589,000 | 122,419,000 | 124,740,000 |
| Noninterest-bearing deposits | 11,784,000 | 11,418,000 | 11,729,000 | 12,034,000 |
| Equity capital | 57,824,000 | 58,044,000 | 58,445,000 | 58,435,000 |
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 | 1,705,000 | 3,403,000 | 5,017,000 | 6,654,000 |
| Interest expense | 262,000 | 513,000 | 749,000 | 979,000 |
| Net interest income | 1,443,000 | 2,890,000 | 4,268,000 | 5,675,000 |
| Noninterest income | 420,000 | 880,000 | 1,332,000 | 1,923,000 |
| Noninterest expense | 1,235,000 | 2,393,000 | 3,584,000 | 4,922,000 |
| Provision for loan losses | 0 | 0 | 300,000 | 300,000 |
| Pretax income | 590,000 | 1,299,000 | 1,582,000 | 2,142,000 |
| Income tax | 139,000 | 325,000 | 363,000 | 514,000 |
| Net income | 451,000 | 974,000 | 1,219,000 | 1,628,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 57,814,000 | 58,337,000 | 58,582,000 | 58,774,000 |
| Total capital | 59,350,000 | 59,870,000 | 60,119,000 | 60,310,000 |
| Risk-weighted assets | 134,746,000 | 133,890,000 | 126,269,000 | 124,822,000 |