Call reports 2010
MORRIS STATE BANK, THE — 2010
What MORRIS STATE BANK, THE reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 64,083,000 | 64,947,000 | 63,971,000 | 61,920,000 |
| Total loans | 50,403,000 | 50,288,000 | 50,080,000 | 48,643,000 |
| Allowance for loan losses | 552,000 | 546,000 | 541,000 | 522,000 |
| Securities available for sale | 1,598,000 | 1,665,000 | 1,693,000 | 1,679,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 56,393,000 | 57,180,000 | 57,141,000 | 56,325,000 |
| Interest-bearing deposits | 48,530,000 | 48,127,000 | 47,845,000 | 47,337,000 |
| Noninterest-bearing deposits | 7,863,000 | 9,053,000 | 9,297,000 | 8,989,000 |
| Equity capital | 5,630,000 | 5,708,000 | 5,771,000 | 5,544,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 945,000 | 1,913,000 | 2,852,000 | 3,768,000 |
| Interest expense | 233,000 | 456,000 | 642,000 | 800,000 |
| Net interest income | 712,000 | 1,457,000 | 2,210,000 | 2,968,000 |
| Noninterest income | 119,000 | 245,000 | 369,000 | 506,000 |
| Noninterest expense | 438,000 | 895,000 | 1,373,000 | 1,900,000 |
| Provision for loan losses | 30,000 | 62,000 | 104,000 | 136,000 |
| Pretax income | 363,000 | 745,000 | 1,102,000 | 1,438,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 363,000 | 745,000 | 1,102,000 | 1,438,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,583,000 | 5,665,000 | 5,722,000 | 5,508,000 |
| Total capital | 6,135,000 | 6,211,000 | 6,263,000 | 6,030,000 |
| Risk-weighted assets | 45,222,000 | 45,096,000 | 43,456,000 | 43,560,000 |