Call reports 2012
MORRIS STATE BANK, THE — 2012
What MORRIS STATE BANK, THE reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 65,513,000 | 66,835,000 | 66,649,000 | 66,449,000 |
| Total loans | 50,252,000 | 51,717,000 | 51,460,000 | 52,077,000 |
| Allowance for loan losses | 560,000 | 567,000 | 550,000 | 561,000 |
| Securities available for sale | 8,239,000 | 8,245,000 | 8,178,000 | 8,076,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 59,802,000 | 59,551,000 | 58,762,000 | 58,718,000 |
| Interest-bearing deposits | 49,123,000 | 48,636,000 | 47,825,000 | 47,144,000 |
| Noninterest-bearing deposits | 10,679,000 | 10,915,000 | 10,936,000 | 11,575,000 |
| Equity capital | 5,658,000 | 5,732,000 | 5,844,000 | 5,869,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 898,000 | 1,798,000 | 2,677,000 | 3,563,000 |
| Interest expense | 104,000 | 202,000 | 294,000 | 384,000 |
| Net interest income | 794,000 | 1,596,000 | 2,383,000 | 3,179,000 |
| Noninterest income | 168,000 | 330,000 | 500,000 | 670,000 |
| Noninterest expense | 508,000 | 1,012,000 | 1,524,000 | 2,081,000 |
| Provision for loan losses | 30,000 | 51,000 | 75,000 | 110,000 |
| Pretax income | 424,000 | 863,000 | 1,284,000 | 1,658,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 424,000 | 863,000 | 1,284,000 | 1,658,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,577,000 | 5,675,000 | 5,747,000 | 5,798,000 |
| Total capital | 6,132,000 | 6,234,000 | 6,297,000 | 6,358,000 |
| Risk-weighted assets | 44,415,000 | 44,696,000 | 44,159,000 | 44,823,000 |