Call reports 2013
MORGANTON SAVINGS BANK, S.S.B. — 2013
What MORGANTON SAVINGS BANK, S.S.B. reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 84,175,000 | 83,867,000 | 81,863,000 | 81,020,000 |
| Total loans | 50,620,000 | 50,006,000 | 48,253,000 | 47,848,000 |
| Allowance for loan losses | 1,086,000 | 1,095,000 | 1,095,000 | 1,095,000 |
| Securities available for sale | 8,749,000 | 8,340,000 | 10,629,000 | 10,043,000 |
| Securities held to maturity | 360,000 | 250,000 | 250,000 | 250,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 55,041,000 | 54,630,000 | 52,617,000 | 51,796,000 |
| Interest-bearing deposits | 51,704,000 | 51,567,000 | 48,971,000 | 48,822,000 |
| Noninterest-bearing deposits | 3,337,000 | 3,063,000 | 3,646,000 | 2,974,000 |
| Equity capital | 23,977,000 | 24,044,000 | 24,045,000 | 24,100,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 726,000 | 1,541,000 | 2,250,000 | 2,958,000 |
| Interest expense | 127,000 | 246,000 | 355,000 | 457,000 |
| Net interest income | 599,000 | 1,295,000 | 1,895,000 | 2,501,000 |
| Noninterest income | 70,000 | 57,000 | 131,000 | 178,000 |
| Noninterest expense | 545,000 | 1,070,000 | 1,604,000 | 2,100,000 |
| Provision for loan losses | 0 | 60,000 | 60,000 | 60,000 |
| Pretax income | 124,000 | 222,000 | 362,000 | 519,000 |
| Income tax | 37,000 | 70,000 | 203,000 | 250,000 |
| Net income | 87,000 | 152,000 | 159,000 | 269,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,078,000 | 24,143,000 | 24,150,000 | 24,260,000 |
| Total capital | 24,831,000 | 24,873,000 | 24,834,000 | 24,965,000 |
| Risk-weighted assets | 59,873,000 | 58,050,000 | 54,297,000 | 56,008,000 |
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