Call reports 2015
MORRIS STATE BANK, THE — 2015
What MORRIS STATE BANK, THE reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 74,674,000 | 74,206,000 | 75,194,000 | 75,016,000 |
| Total loans | 55,292,000 | 56,270,000 | 56,761,000 | 57,035,000 |
| Allowance for loan losses | 620,000 | 610,000 | 606,000 | 612,000 |
| Securities available for sale | 9,673,000 | 10,404,000 | 10,650,000 | 10,566,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 68,606,000 | 68,142,000 | 67,479,000 | 67,166,000 |
| Interest-bearing deposits | 56,239,000 | 55,951,000 | 55,255,000 | 54,358,000 |
| Noninterest-bearing deposits | 12,367,000 | 12,191,000 | 12,224,000 | 12,808,000 |
| Equity capital | 5,957,000 | 5,953,000 | 6,125,000 | 6,259,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 888,000 | 1,786,000 | 2,693,000 | 3,636,000 |
| Interest expense | 85,000 | 174,000 | 264,000 | 359,000 |
| Net interest income | 803,000 | 1,612,000 | 2,429,000 | 3,277,000 |
| Noninterest income | 161,000 | 321,000 | 477,000 | 663,000 |
| Noninterest expense | 584,000 | 1,148,000 | 1,692,000 | 2,270,000 |
| Provision for loan losses | 9,000 | 24,000 | 29,000 | 52,000 |
| Pretax income | 371,000 | 761,000 | 1,185,000 | 1,618,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 371,000 | 761,000 | 1,185,000 | 1,618,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,946,000 | 6,048,000 | 6,106,000 | 6,215,000 |
| Total capital | 6,523,000 | 6,642,000 | 6,698,000 | 6,809,000 |
| Risk-weighted assets | 46,122,000 | 47,533,000 | 47,487,000 | 47,512,000 |