Call reports 2022
MORGANTON SAVINGS BANK, S.S.B. — 2022
What MORGANTON SAVINGS BANK, S.S.B. reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 121,961,000 | 125,190,000 | 120,739,000 | 121,849,000 |
| Total loans | 70,373,000 | 72,230,000 | 73,327,000 | 74,128,000 |
| Allowance for loan losses | 2,390,000 | 2,390,000 | 2,386,000 | 2,386,000 |
| Securities available for sale | 11,073,000 | 10,450,000 | 10,455,000 | 10,980,000 |
| Securities held to maturity | 0 | 200,000 | 200,000 | 200,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 79,979,000 | 83,226,000 | 84,557,000 | 85,808,000 |
| Interest-bearing deposits | 73,064,000 | 74,577,000 | 49,309,000 | 72,862,000 |
| Noninterest-bearing deposits | 6,915,000 | 8,649,000 | 35,248,000 | 12,946,000 |
| Equity capital | 25,677,000 | 25,205,000 | 25,558,000 | 25,583,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 906,000 | 1,715,000 | 2,974,000 | 4,291,000 |
| Interest expense | 145,000 | 286,000 | 398,000 | 499,000 |
| Net interest income | 761,000 | 1,429,000 | 2,576,000 | 3,792,000 |
| Noninterest income | 33,000 | 44,000 | 54,000 | 50,000 |
| Noninterest expense | 724,000 | 1,428,000 | 2,178,000 | 3,195,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 68,000 | 42,000 | 449,000 | 645,000 |
| Income tax | 10,000 | 0 | 10,000 | 151,000 |
| Net income | 58,000 | 42,000 | 439,000 | 494,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,649,000 | 25,205,000 | 26,783,000 | 26,682,000 |