Call reports 2015
STATE SAVINGS BANK OF MANISTIQUE, THE — 2015
What STATE SAVINGS BANK OF MANISTIQUE, THE 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 | 112,940,000 | 111,167,000 | 117,713,000 | 117,102,000 |
| Total loans | 64,690,000 | 62,677,000 | 62,326,000 | 60,955,000 |
| Allowance for loan losses | 870,000 | 752,000 | 789,000 | 515,000 |
| Securities available for sale | 38,229,000 | 39,835,000 | 40,021,000 | 43,059,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 92,742,000 | 90,485,000 | 96,925,000 | 96,463,000 |
| Interest-bearing deposits | 86,830,000 | 84,165,000 | 89,845,000 | 89,506,000 |
| Noninterest-bearing deposits | 5,912,000 | 6,320,000 | 7,080,000 | 6,957,000 |
| Equity capital | 13,786,000 | 14,031,000 | 14,329,000 | 14,250,000 |
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 | 1,037,000 | 2,054,000 | 3,086,000 | 4,167,000 |
| Interest expense | 134,000 | 268,000 | 405,000 | 543,000 |
| Net interest income | 903,000 | 1,786,000 | 2,681,000 | 3,624,000 |
| Noninterest income | 50,000 | 175,000 | 234,000 | 316,000 |
| Noninterest expense | 757,000 | 1,479,000 | 2,226,000 | 3,093,000 |
| Provision for loan losses | 285,000 | 285,000 | 322,000 | 329,000 |
| Pretax income | -58,000 | 268,000 | 442,000 | 593,000 |
| Income tax | 0 | 0 | 0 | -28,000 |
| Net income | -58,000 | 268,000 | 442,000 | 621,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,312,000 | 12,859,000 | 13,668,000 | 13,680,000 |
| Total capital | 14,182,000 | 13,611,000 | 14,457,000 | 14,195,000 |
| Risk-weighted assets | 84,363,000 | 72,330,000 | 73,845,000 | 75,150,000 |
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