Call reports 2015
MORGANTON SAVINGS BANK, S.S.B. — 2015
What MORGANTON SAVINGS BANK, S.S.B. 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 | 79,317,000 | 77,744,000 | 80,558,000 | 79,876,000 |
| Total loans | 42,018,000 | 43,115,000 | 42,621,000 | 42,423,000 |
| Allowance for loan losses | 1,164,000 | 1,169,000 | 1,289,000 | 1,352,000 |
| Securities available for sale | 9,118,000 | 11,367,000 | 9,805,000 | 9,546,000 |
| Securities held to maturity | 201,000 | 201,000 | 201,000 | 201,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 49,924,000 | 48,325,000 | 51,207,000 | 50,708,000 |
| Interest-bearing deposits | 46,778,000 | 44,826,000 | 47,916,000 | 47,567,000 |
| Noninterest-bearing deposits | 3,146,000 | 3,499,000 | 3,291,000 | 3,141,000 |
| Equity capital | 24,153,000 | 24,148,000 | 24,027,000 | 23,854,000 |
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 | 648,000 | 1,308,000 | 1,944,000 | 2,627,000 |
| Interest expense | 56,000 | 110,000 | 165,000 | 219,000 |
| Net interest income | 592,000 | 1,198,000 | 1,779,000 | 2,408,000 |
| Noninterest income | 44,000 | 92,000 | 139,000 | 184,000 |
| Noninterest expense | 532,000 | 1,066,000 | 1,612,000 | 2,264,000 |
| Provision for loan losses | 0 | 0 | 90,000 | 173,000 |
| Pretax income | 118,000 | 238,000 | 238,000 | 177,000 |
| Income tax | 42,000 | 77,000 | 72,000 | 143,000 |
| Net income | 76,000 | 161,000 | 166,000 | 34,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,623,000 | 24,661,000 | 24,576,000 | 24,421,000 |
| Total capital | 25,329,000 | 25,413,000 | 25,337,000 | 25,185,000 |
| Risk-weighted assets | 56,065,000 | 59,693,000 | 60,358,000 | 60,488,000 |