Call reports 2014
MORGANTON SAVINGS BANK, S.S.B. — 2014
What MORGANTON SAVINGS BANK, S.S.B. 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 | 82,397,000 | 80,572,000 | 79,508,000 | 79,109,000 |
| Total loans | 47,049,000 | 46,029,000 | 45,422,000 | 44,528,000 |
| Allowance for loan losses | 1,157,000 | 1,131,000 | 1,116,000 | 1,164,000 |
| Securities available for sale | 10,400,000 | 6,715,000 | 4,496,000 | 6,421,000 |
| Securities held to maturity | 250,000 | 250,000 | 250,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 53,056,000 | 51,159,000 | 50,068,000 | 49,823,000 |
| Interest-bearing deposits | 50,126,000 | 47,567,000 | 46,514,000 | 46,526,000 |
| Noninterest-bearing deposits | 2,930,000 | 3,592,000 | 3,554,000 | 3,297,000 |
| Equity capital | 24,194,000 | 24,242,000 | 24,243,000 | 24,086,000 |
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 | 698,000 | 1,371,000 | 2,010,000 | 2,884,000 |
| Interest expense | 79,000 | 148,000 | 215,000 | 278,000 |
| Net interest income | 619,000 | 1,223,000 | 1,795,000 | 2,606,000 |
| Noninterest income | 49,000 | 95,000 | 142,000 | 195,000 |
| Noninterest expense | 543,000 | 1,095,000 | 1,646,000 | 2,235,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 0 |
| Pretax income | 151,000 | 266,000 | 377,000 | 697,000 |
| Income tax | 61,000 | 106,000 | 148,000 | 287,000 |
| Net income | 90,000 | 160,000 | 229,000 | 410,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,351,000 | 24,420,000 | 24,490,000 | 24,670,000 |
| Total capital | 25,047,000 | 25,120,000 | 25,165,000 | 25,350,000 |
| Risk-weighted assets | 55,227,000 | 55,599,000 | 53,554,000 | 53,891,000 |
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