Call reports 2007
MORRIS STATE BANK, THE — 2007
What MORRIS STATE BANK, THE reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 58,092,000 | 59,810,000 | 59,161,000 | 59,410,000 |
| Total loans | 49,194,000 | 50,015,000 | 51,159,000 | 51,886,000 |
| Allowance for loan losses | 573,000 | 576,000 | 576,000 | 572,000 |
| Securities available for sale | 2,579,000 | 2,910,000 | 2,883,000 | 2,795,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 47,701,000 | 49,293,000 | 48,437,000 | 48,673,000 |
| Interest-bearing deposits | 40,637,000 | 42,020,000 | 41,051,000 | 40,724,000 |
| Noninterest-bearing deposits | 7,064,000 | 7,272,000 | 7,386,000 | 7,948,000 |
| Equity capital | 4,796,000 | 4,928,000 | 5,130,000 | 5,133,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,069,000 | 2,147,000 | 3,273,000 | 4,485,000 |
| Interest expense | 429,000 | 863,000 | 1,327,000 | 1,787,000 |
| Net interest income | 640,000 | 1,284,000 | 1,946,000 | 2,698,000 |
| Noninterest income | 119,000 | 223,000 | 341,000 | 450,000 |
| Noninterest expense | 410,000 | 833,000 | 1,238,000 | 1,668,000 |
| Provision for loan losses | 75,000 | 84,000 | 96,000 | 116,000 |
| Pretax income | 274,000 | 590,000 | 953,000 | 1,364,000 |
| Income tax | 11,000 | 10,000 | 11,000 | 10,000 |
| Net income | 263,000 | 580,000 | 942,000 | 1,354,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,814,000 | 4,951,000 | 5,132,000 | 5,116,000 |
| Total capital | 5,369,000 | 5,514,000 | 5,699,000 | 5,688,000 |
| Risk-weighted assets | 44,414,000 | 45,003,000 | 45,386,000 | 46,045,000 |