Call reports 2012
MORGANTON SAVINGS BANK, S.S.B. — 2012
What MORGANTON SAVINGS BANK, S.S.B. 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 | 85,377,000 | 85,424,000 | 85,353,000 | 85,506,000 |
| Total loans | 54,857,000 | 54,584,000 | 53,564,000 | 52,016,000 |
| Allowance for loan losses | 1,229,000 | 1,126,000 | 1,110,000 | 1,086,000 |
| Securities available for sale | 6,370,000 | 7,699,000 | 7,441,000 | 9,152,000 |
| Securities held to maturity | 1,180,000 | 682,000 | 678,000 | 675,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 57,195,000 | 57,065,000 | 56,834,000 | 56,501,000 |
| Interest-bearing deposits | 54,451,000 | 53,955,000 | 53,755,000 | 53,000,000 |
| Noninterest-bearing deposits | 2,744,000 | 3,110,000 | 3,079,000 | 3,501,000 |
| Equity capital | 22,964,000 | 23,085,000 | 23,209,000 | 23,898,000 |
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 | 814,000 | 1,624,000 | 2,421,000 | 3,158,000 |
| Interest expense | 197,000 | 373,000 | 537,000 | 676,000 |
| Net interest income | 617,000 | 1,251,000 | 1,884,000 | 2,482,000 |
| Noninterest income | 136,000 | 150,000 | 242,000 | 344,000 |
| Noninterest expense | 597,000 | 1,185,000 | 1,800,000 | 2,319,000 |
| Provision for loan losses | 32,000 | 32,000 | 32,000 | 32,000 |
| Pretax income | 124,000 | 184,000 | 294,000 | 475,000 |
| Income tax | 24,000 | -2,000 | 20,000 | 88,000 |
| Net income | 100,000 | 186,000 | 274,000 | 387,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,268,000 | 23,355,000 | 23,442,000 | 23,991,000 |
| Total capital | 24,019,000 | 24,118,000 | 24,193,000 | 24,731,000 |
| Risk-weighted assets | 59,620,000 | 60,654,000 | 59,708,000 | 58,814,000 |
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