Call reports 2012
MUTUAL FEDERAL SAVINGS BANK — 2012
What MUTUAL FEDERAL SAVINGS BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 119,021,000 | 117,398,000 | 121,140,000 | 116,473,000 |
| Total loans | 75,918,000 | 74,059,000 | 74,121,000 | 72,124,000 |
| Allowance for loan losses | 1,733,000 | 1,692,000 | 1,435,000 | 1,324,000 |
| Securities available for sale | 28,796,000 | 31,968,000 | 33,805,000 | 34,163,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 105,239,000 | 103,591,000 | 106,897,000 | 102,555,000 |
| Interest-bearing deposits | 99,013,000 | 98,108,000 | 97,552,000 | 95,620,000 |
| Noninterest-bearing deposits | 6,226,000 | 5,483,000 | 9,345,000 | 6,935,000 |
| Equity capital | 11,480,000 | 11,698,000 | 12,032,000 | 12,163,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,352,000 | 2,669,000 | 3,979,000 | 5,249,000 |
| Interest expense | 328,000 | 626,000 | 913,000 | 1,181,000 |
| Net interest income | 1,024,000 | 2,043,000 | 3,066,000 | 4,068,000 |
| Noninterest income | 168,000 | 374,000 | 638,000 | 878,000 |
| Noninterest expense | 1,027,000 | 2,059,000 | 3,100,000 | 4,063,000 |
| Provision for loan losses | 50,000 | 80,000 | 120,000 | 150,000 |
| Pretax income | 150,000 | 314,000 | 519,000 | 768,000 |
| Income tax | 50,000 | 98,000 | 153,000 | 197,000 |
| Net income | 100,000 | 216,000 | 366,000 | 571,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,168,000 | 10,343,000 | 10,552,000 | 10,816,000 |
| Total capital | 11,071,000 | 11,209,000 | 11,442,000 | 11,672,000 |
| Risk-weighted assets | 71,414,000 | 68,485,000 | 70,366,000 | 67,973,000 |