Call reports 2014
MALAGA BANK, FSB — 2014
What MALAGA BANK, FSB reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 909,509,000 | 925,027,000 | 935,833,000 | 946,456,000 |
| Total loans | 843,544,000 | 855,524,000 | 864,429,000 | 875,340,000 |
| Allowance for loan losses | 2,882,000 | 2,901,000 | 2,963,000 | 2,949,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 660,978,000 | 641,795,000 | 703,310,000 | 712,471,000 |
| Interest-bearing deposits | 571,536,000 | 556,204,000 | 614,614,000 | 624,823,000 |
| Noninterest-bearing deposits | 89,442,000 | 85,591,000 | 88,696,000 | 87,648,000 |
| Equity capital | 120,022,000 | 121,810,000 | 123,594,000 | 125,390,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 8,975,000 | 18,057,000 | 27,110,000 | 36,166,000 |
| Interest expense | 1,297,000 | 2,607,000 | 3,904,000 | 5,237,000 |
| Net interest income | 7,678,000 | 15,450,000 | 23,206,000 | 30,929,000 |
| Noninterest income | 140,000 | 328,000 | 474,000 | 616,000 |
| Noninterest expense | 2,763,000 | 5,471,000 | 8,086,000 | 10,718,000 |
| Provision for loan losses | 12,000 | 36,000 | 100,000 | 90,000 |
| Pretax income | 5,043,000 | 10,271,000 | 15,494,000 | 20,737,000 |
| Income tax | 2,122,000 | 4,318,000 | 6,514,000 | 8,717,000 |
| Net income | 2,921,000 | 5,953,000 | 8,980,000 | 12,020,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 120,022,000 | 121,810,000 | 123,594,000 | 125,390,000 |
| Total capital | 122,904,000 | 124,711,000 | 126,557,000 | 128,339,000 |
| Risk-weighted assets | 536,794,000 | 597,706,000 | 542,166,000 | 532,869,000 |