Call reports 2002
MORRIS STATE BANK, THE — 2002
What MORRIS STATE BANK, THE reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 38,525,000 | 38,944,000 | 41,896,000 | 41,866,000 |
| Total loans | 28,286,000 | 30,530,000 | 32,215,000 | 33,232,000 |
| Allowance for loan losses | 286,000 | 305,000 | 315,000 | 295,000 |
| Securities available for sale | 4,535,000 | 4,600,000 | 4,898,000 | 4,291,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 32,410,000 | 32,801,000 | 35,632,000 | 36,031,000 |
| Interest-bearing deposits | 27,950,000 | 28,575,000 | 31,103,000 | 31,264,000 |
| Noninterest-bearing deposits | 4,460,000 | 4,226,000 | 4,529,000 | 4,767,000 |
| Equity capital | 2,976,000 | 3,054,000 | 3,189,000 | 3,279,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 734,000 | 1,484,000 | 2,278,000 | 3,087,000 |
| Interest expense | 257,000 | 496,000 | 749,000 | 1,000,000 |
| Net interest income | 477,000 | 988,000 | 1,529,000 | 2,087,000 |
| Noninterest income | 170,000 | 274,000 | 390,000 | 494,000 |
| Noninterest expense | 318,000 | 604,000 | 922,000 | 1,274,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 96,000 |
| Pretax income | 299,000 | 598,000 | 907,000 | 1,211,000 |
| Income tax | 103,000 | 229,000 | 356,000 | 470,000 |
| Net income | 196,000 | 369,000 | 551,000 | 741,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,928,000 | 3,013,000 | 3,145,000 | 3,234,000 |
| Total capital | 3,214,000 | 3,318,000 | 3,460,000 | 3,529,000 |
| Risk-weighted assets | 27,078,000 | 29,097,000 | 30,541,000 | 30,926,000 |