Call reports 2004
MORRIS BANK — 2004
What MORRIS BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 113,438,000 | 112,870,000 | 110,480,000 | 109,423,000 |
| Total loans | 70,595,000 | 71,184,000 | 71,885,000 | 69,723,000 |
| Allowance for loan losses | 1,567,000 | 1,562,000 | 1,527,000 | 1,098,000 |
| Securities available for sale | 33,275,000 | 35,229,000 | 31,695,000 | 28,140,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 101,074,000 | 99,303,000 | 92,673,000 | 94,477,000 |
| Interest-bearing deposits | 90,440,000 | 88,869,000 | 81,634,000 | 82,253,000 |
| Noninterest-bearing deposits | 10,634,000 | 10,434,000 | 11,039,000 | 12,224,000 |
| Equity capital | 12,064,000 | 11,768,000 | 12,541,000 | 11,344,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,573,000 | 3,142,000 | 4,710,000 | 6,183,000 |
| Interest expense | 452,000 | 889,000 | 1,323,000 | 1,773,000 |
| Net interest income | 1,121,000 | 2,253,000 | 3,387,000 | 4,410,000 |
| Noninterest income | 220,000 | 428,000 | 663,000 | 926,000 |
| Noninterest expense | 868,000 | 1,737,000 | 2,616,000 | 3,647,000 |
| Provision for loan losses | 50,000 | 50,000 | 50,000 | 810,000 |
| Pretax income | 427,000 | 900,000 | 1,407,000 | 902,000 |
| Income tax | 5,000 | 9,000 | 14,000 | 6,000 |
| Net income | 422,000 | 891,000 | 1,393,000 | 896,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,352,000 | 11,821,000 | 12,224,000 | 11,217,000 |
| Total capital | 12,330,000 | 12,823,000 | 13,214,000 | 12,193,000 |
| Risk-weighted assets | 77,662,000 | 79,561,000 | 78,674,000 | 77,969,000 |