Call reports 2019
MORGANTON SAVINGS BANK, S.S.B. — 2019
What MORGANTON SAVINGS BANK, S.S.B. reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 90,986,000 | 91,946,000 | 95,333,000 | 94,995,000 |
| Total loans | 61,372,000 | 63,470,000 | 66,573,000 | 68,501,000 |
| Allowance for loan losses | 1,178,000 | 1,252,000 | 1,481,000 | 1,737,000 |
| Securities available for sale | 9,161,000 | 8,448,000 | 8,270,000 | 7,913,000 |
| Securities held to maturity | 200,000 | 200,000 | 200,000 | 200,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 54,218,000 | 55,026,000 | 53,115,000 | 51,972,000 |
| Interest-bearing deposits | 48,789,000 | 49,558,000 | 49,151,000 | 47,832,000 |
| Noninterest-bearing deposits | 5,429,000 | 5,468,000 | 3,964,000 | 4,140,000 |
| Equity capital | 24,092,000 | 24,374,000 | 24,601,000 | 24,784,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 901,000 | 1,875,000 | 2,938,000 | 4,336,000 |
| Interest expense | 132,000 | 271,000 | 430,000 | 598,000 |
| Net interest income | 769,000 | 1,604,000 | 2,508,000 | 3,738,000 |
| Noninterest income | 62,000 | 111,000 | 157,000 | 307,000 |
| Noninterest expense | 670,000 | 1,331,000 | 1,959,000 | 2,714,000 |
| Provision for loan losses | 91,000 | 91,000 | 91,000 | 91,000 |
| Pretax income | 267,000 | 541,000 | 801,000 | 1,474,000 |
| Income tax | 53,000 | 108,000 | 159,000 | 298,000 |
| Net income | 214,000 | 433,000 | 642,000 | 1,176,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,872,000 | 25,091,000 | 25,299,000 | 25,837,000 |
| Total capital | 25,831,000 | 26,072,000 | 26,298,000 | 26,847,000 |
| Risk-weighted assets | 76,520,000 | 78,277,000 | 79,513,000 | 80,138,000 |