Call reports 2016
MUTUAL SAVINGS ASSOCIATION — 2016
What MUTUAL SAVINGS ASSOCIATION 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 | 194,618,000 | 192,964,000 | 194,599,000 | 194,017,000 |
| Total loans | 114,598,000 | 116,345,000 | 113,222,000 | 111,620,000 |
| Allowance for loan losses | 1,536,000 | 1,554,000 | 1,565,000 | 1,708,000 |
| Securities available for sale | 28,725,000 | 29,204,000 | 26,473,000 | 28,956,000 |
| Securities held to maturity | 7,214,000 | 6,916,000 | 6,654,000 | 6,487,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 133,337,000 | 130,937,000 | 131,967,000 | 131,450,000 |
| Interest-bearing deposits | 121,301,000 | 119,369,000 | 119,046,000 | 119,442,000 |
| Noninterest-bearing deposits | 12,036,000 | 11,568,000 | 12,921,000 | 12,008,000 |
| Equity capital | 59,118,000 | 59,776,000 | 60,198,000 | 60,311,000 |
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 | 1,599,000 | 3,212,000 | 4,836,000 | 6,438,000 |
| Interest expense | 216,000 | 413,000 | 605,000 | 795,000 |
| Net interest income | 1,383,000 | 2,799,000 | 4,231,000 | 5,643,000 |
| Noninterest income | 478,000 | 963,000 | 1,435,000 | 1,945,000 |
| Noninterest expense | 1,304,000 | 2,568,000 | 3,859,000 | 5,238,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 493,000 | 1,104,000 | 1,670,000 | 2,138,000 |
| Income tax | 108,000 | 271,000 | 419,000 | 540,000 |
| Net income | 385,000 | 833,000 | 1,251,000 | 1,598,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 59,376,000 | 59,825,000 | 60,242,000 | 60,589,000 |
| Total capital | 60,912,000 | 61,370,000 | 61,775,000 | 62,090,000 |
| Risk-weighted assets | 123,452,000 | 123,585,000 | 122,583,000 | 119,763,000 |