Call reports 2025
MORGANTON SAVINGS BANK, S.S.B. — 2025
What MORGANTON SAVINGS BANK, S.S.B. reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 104,387,000 | 107,770,000 | 106,903,000 | 107,424,000 |
| Total loans | 67,586,000 | 66,621,000 | 67,254,000 | 66,332,000 |
| Allowance for loan losses | 2,388,000 | 2,388,000 | 2,388,000 | 2,386,000 |
| Securities available for sale | 9,525,000 | 9,525,000 | 8,977,000 | 8,055,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 67,968,000 | 71,240,000 | 70,110,000 | 70,490,000 |
| Interest-bearing deposits | 58,721,000 | 59,987,000 | 59,300,000 | 60,237,000 |
| Noninterest-bearing deposits | 9,247,000 | 11,253,000 | 10,810,000 | 10,253,000 |
| Equity capital | 28,050,000 | 28,174,000 | 28,339,000 | 28,501,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 1,101,000 | 2,239,000 | 3,389,000 | 4,523,000 |
| Interest expense | 223,000 | 458,000 | 706,000 | 959,000 |
| Net interest income | 878,000 | 1,781,000 | 2,683,000 | 3,564,000 |
| Noninterest income | 24,000 | 45,000 | 72,000 | -52,000 |
| Noninterest expense | 835,000 | 1,635,000 | 2,399,000 | 3,323,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 67,000 | 191,000 | 356,000 | 174,000 |
| Income tax | 0 | 0 | 0 | -48,000 |
| Net income | 67,000 | 191,000 | 356,000 | 222,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,533,000 | 28,657,000 | 28,822,000 | 28,772,000 |