Call reports 2005
MORRIS STATE BANK, THE — 2005
What MORRIS STATE BANK, THE reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 51,024,000 | 52,705,000 | 53,615,000 | 54,062,000 |
| Total loans | 43,081,000 | 45,019,000 | 45,027,000 | 46,587,000 |
| Allowance for loan losses | 444,000 | 421,000 | 431,000 | 457,000 |
| Securities available for sale | 2,675,000 | 3,259,000 | 3,152,000 | 3,099,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 40,240,000 | 41,950,000 | 43,721,000 | 44,266,000 |
| Interest-bearing deposits | 34,363,000 | 35,589,000 | 37,009,000 | 37,595,000 |
| Noninterest-bearing deposits | 5,877,000 | 6,361,000 | 6,712,000 | 6,671,000 |
| Equity capital | 4,093,000 | 4,185,000 | 4,301,000 | 4,205,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 856,000 | 1,760,000 | 2,707,000 | 3,642,000 |
| Interest expense | 222,000 | 462,000 | 740,000 | 1,035,000 |
| Net interest income | 634,000 | 1,298,000 | 1,967,000 | 2,607,000 |
| Noninterest income | 116,000 | 200,000 | 347,000 | 438,000 |
| Noninterest expense | 375,000 | 787,000 | 1,198,000 | 1,619,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 285,000 |
| Pretax income | 300,000 | 561,000 | 891,000 | 1,141,000 |
| Income tax | 125,000 | 202,000 | 304,000 | 413,000 |
| Net income | 175,000 | 359,000 | 587,000 | 728,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,096,000 | 4,180,000 | 4,308,000 | 4,219,000 |
| Total capital | 4,540,000 | 4,601,000 | 4,739,000 | 4,676,000 |
| Risk-weighted assets | 39,146,000 | 40,226,000 | 40,369,000 | 41,326,000 |