Call reports 2006
MORRIS STATE BANK, THE — 2006
What MORRIS STATE BANK, THE reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 55,441,000 | 56,840,000 | 56,090,000 | 56,772,000 |
| Total loans | 47,452,000 | 48,058,000 | 47,845,000 | 48,716,000 |
| Allowance for loan losses | 487,000 | 501,000 | 491,000 | 524,000 |
| Securities available for sale | 3,064,000 | 2,997,000 | 3,130,000 | 2,584,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 45,334,000 | 46,770,000 | 46,397,000 | 46,632,000 |
| Interest-bearing deposits | 38,556,000 | 39,172,000 | 38,932,000 | 39,348,000 |
| Noninterest-bearing deposits | 6,778,000 | 7,598,000 | 7,465,000 | 7,284,000 |
| Equity capital | 4,388,000 | 4,468,000 | 4,601,000 | 4,541,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 982,000 | 1,990,000 | 3,013,000 | 4,053,000 |
| Interest expense | 327,000 | 682,000 | 1,064,000 | 1,470,000 |
| Net interest income | 655,000 | 1,308,000 | 1,949,000 | 2,583,000 |
| Noninterest income | 118,000 | 225,000 | 334,000 | 451,000 |
| Noninterest expense | 411,000 | 832,000 | 1,214,000 | 1,648,000 |
| Provision for loan losses | 45,000 | 90,000 | 125,000 | 160,000 |
| Pretax income | 317,000 | 611,000 | 944,000 | 1,226,000 |
| Income tax | 129,000 | 231,000 | 349,000 | 444,000 |
| Net income | 188,000 | 380,000 | 595,000 | 782,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,407,000 | 4,510,000 | 4,614,000 | 4,551,000 |
| Total capital | 4,894,000 | 5,011,000 | 5,105,000 | 5,075,000 |
| Risk-weighted assets | 42,311,000 | 42,862,000 | 42,212,000 | 43,252,000 |
Machine access — free, no API key
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