Call reports 2015
MALAGA BANK, FSB — 2015
What MALAGA BANK, FSB 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 | 972,356,000 | 988,875,000 | 979,390,000 | 983,556,000 |
| Total loans | 873,286,000 | 888,066,000 | 893,844,000 | 891,182,000 |
| Allowance for loan losses | 2,948,000 | 3,024,000 | 3,007,000 | 2,993,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 742,989,000 | 757,203,000 | 755,566,000 | 758,836,000 |
| Interest-bearing deposits | 646,987,000 | 659,590,000 | 649,964,000 | 660,001,000 |
| Noninterest-bearing deposits | 96,002,000 | 97,613,000 | 105,602,000 | 98,835,000 |
| Equity capital | 127,116,000 | 129,006,000 | 130,826,000 | 132,731,000 |
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 | 9,093,000 | 18,460,000 | 27,670,000 | 37,027,000 |
| Interest expense | 1,364,000 | 2,796,000 | 4,179,000 | 5,445,000 |
| Net interest income | 7,729,000 | 15,664,000 | 23,491,000 | 31,582,000 |
| Noninterest income | 145,000 | 336,000 | 474,000 | 606,000 |
| Noninterest expense | 2,786,000 | 5,474,000 | 8,217,000 | 11,060,000 |
| Provision for loan losses | 0 | 75,000 | 55,000 | 38,000 |
| Pretax income | 5,088,000 | 10,451,000 | 15,693,000 | 21,090,000 |
| Income tax | 2,141,000 | 4,394,000 | 6,597,000 | 8,868,000 |
| Net income | 2,947,000 | 6,057,000 | 9,096,000 | 12,222,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 127,116,000 | 129,006,000 | 130,826,000 | 132,731,000 |
| Total capital | 130,122,000 | 132,088,000 | 133,891,000 | 135,779,000 |
| Risk-weighted assets | 533,928,000 | 558,344,000 | 547,569,000 | 536,321,000 |