Call reports 2009
MORRIS STATE BANK, THE — 2009
What MORRIS STATE BANK, THE reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 65,338,000 | 65,340,000 | 63,753,000 | 62,961,000 |
| Total loans | 51,717,000 | 51,834,000 | 52,300,000 | 51,319,000 |
| Allowance for loan losses | 542,000 | 534,000 | 433,000 | 520,000 |
| Securities available for sale | 1,952,000 | 1,793,000 | 1,637,000 | 1,603,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 55,335,000 | 55,242,000 | 54,586,000 | 55,125,000 |
| Interest-bearing deposits | 47,449,000 | 47,662,000 | 46,405,000 | 46,702,000 |
| Noninterest-bearing deposits | 7,886,000 | 7,580,000 | 8,181,000 | 8,423,000 |
| Equity capital | 5,428,000 | 5,501,000 | 5,581,000 | 5,270,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,025,000 | 2,033,000 | 3,029,000 | 4,019,000 |
| Interest expense | 331,000 | 651,000 | 943,000 | 1,204,000 |
| Net interest income | 694,000 | 1,382,000 | 2,086,000 | 2,815,000 |
| Noninterest income | 107,000 | 261,000 | 373,000 | 486,000 |
| Noninterest expense | 462,000 | 955,000 | 1,475,000 | 2,019,000 |
| Provision for loan losses | 10,000 | 30,000 | 55,000 | 165,000 |
| Pretax income | 329,000 | 658,000 | 929,000 | 1,117,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 329,000 | 658,000 | 929,000 | 1,117,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,381,000 | 5,461,000 | 5,530,000 | 5,220,000 |
| Total capital | 5,923,000 | 5,995,000 | 5,963,000 | 5,740,000 |
| Risk-weighted assets | 46,446,000 | 46,216,000 | 45,952,000 | 44,961,000 |