Call reports 2004
MORRIS STATE BANK, THE — 2004
What MORRIS STATE BANK, THE reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 44,744,000 | 44,548,000 | 47,720,000 | 48,679,000 |
| Total loans | 36,609,000 | 38,389,000 | 40,535,000 | 41,897,000 |
| Allowance for loan losses | 325,000 | 384,000 | 411,000 | 405,000 |
| Securities available for sale | 2,205,000 | 1,994,000 | 2,802,000 | 2,735,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 38,250,000 | 38,129,000 | 38,220,000 | 38,041,000 |
| Interest-bearing deposits | 32,418,000 | 32,397,000 | 32,098,000 | 31,755,000 |
| Noninterest-bearing deposits | 5,832,000 | 5,732,000 | 6,122,000 | 6,286,000 |
| Equity capital | 3,816,000 | 3,869,000 | 3,944,000 | 3,933,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 778,000 | 1,567,000 | 2,402,000 | 3,265,000 |
| Interest expense | 180,000 | 358,000 | 538,000 | 740,000 |
| Net interest income | 598,000 | 1,209,000 | 1,864,000 | 2,525,000 |
| Noninterest income | 124,000 | 273,000 | 362,000 | 446,000 |
| Noninterest expense | 383,000 | 752,000 | 1,139,000 | 1,528,000 |
| Provision for loan losses | 45,000 | 175,000 | 255,000 | 295,000 |
| Pretax income | 294,000 | 555,000 | 832,000 | 1,148,000 |
| Income tax | 125,000 | 221,000 | 330,000 | 452,000 |
| Net income | 169,000 | 334,000 | 502,000 | 696,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,805,000 | 3,870,000 | 3,939,000 | 3,932,000 |
| Total capital | 4,130,000 | 4,254,000 | 4,350,000 | 4,337,000 |
| Risk-weighted assets | 33,545,000 | 34,571,000 | 35,994,000 | 37,743,000 |