Call reports 2015
MUTUAL FEDERAL SAVINGS BANK — 2015
What MUTUAL FEDERAL SAVINGS BANK 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 | 117,676,000 | 117,455,000 | 112,963,000 | 118,133,000 |
| Total loans | 74,264,000 | 71,564,000 | 73,112,000 | 74,289,000 |
| Allowance for loan losses | 1,239,000 | 1,162,000 | 1,041,000 | 941,000 |
| Securities available for sale | 32,155,000 | 34,236,000 | 32,629,000 | 31,219,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 97,946,000 | 96,815,000 | 93,371,000 | 94,808,000 |
| Interest-bearing deposits | 89,864,000 | 88,539,000 | 84,869,000 | 86,534,000 |
| Noninterest-bearing deposits | 8,082,000 | 8,276,000 | 8,502,000 | 8,274,000 |
| Equity capital | 12,879,000 | 12,695,000 | 12,857,000 | 13,005,000 |
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 | 1,195,000 | 2,328,000 | 3,442,000 | 4,586,000 |
| Interest expense | 147,000 | 294,000 | 431,000 | 576,000 |
| Net interest income | 1,048,000 | 2,034,000 | 3,011,000 | 4,010,000 |
| Noninterest income | 157,000 | 330,000 | 505,000 | 666,000 |
| Noninterest expense | 1,015,000 | 2,022,000 | 3,019,000 | 4,064,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 190,000 | 347,000 | 518,000 | 636,000 |
| Income tax | 32,000 | 48,000 | 69,000 | 73,000 |
| Net income | 158,000 | 299,000 | 449,000 | 563,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,366,000 | 12,459,000 | 12,569,000 | 12,640,000 |
| Total capital | 13,262,000 | 13,413,000 | 13,489,000 | 13,581,000 |
| Risk-weighted assets | 71,391,000 | 76,099,000 | 73,471,000 | 79,764,000 |