Call reports 2005
MORRIS BANK — 2005
What MORRIS BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 114,534,000 | 117,009,000 | 119,921,000 | 129,735,000 |
| Total loans | 72,897,000 | 76,044,000 | 80,155,000 | 83,792,000 |
| Allowance for loan losses | 1,091,000 | 1,106,000 | 1,132,000 | 1,181,000 |
| Securities available for sale | 29,259,000 | 28,910,000 | 27,294,000 | 28,993,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 101,730,000 | 102,011,000 | 104,604,000 | 108,904,000 |
| Interest-bearing deposits | 86,385,000 | 87,698,000 | 88,640,000 | 90,996,000 |
| Noninterest-bearing deposits | 15,345,000 | 14,313,000 | 15,964,000 | 17,908,000 |
| Equity capital | 11,261,000 | 11,729,000 | 12,092,000 | 11,910,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,500,000 | 3,125,000 | 4,874,000 | 6,711,000 |
| Interest expense | 456,000 | 949,000 | 1,483,000 | 2,102,000 |
| Net interest income | 1,044,000 | 2,176,000 | 3,391,000 | 4,609,000 |
| Noninterest income | 227,000 | 409,000 | 607,000 | 808,000 |
| Noninterest expense | 874,000 | 1,744,000 | 2,611,000 | 3,510,000 |
| Provision for loan losses | 20,000 | 50,000 | 80,000 | 115,000 |
| Pretax income | 377,000 | 791,000 | 1,307,000 | 1,792,000 |
| Income tax | 7,000 | 17,000 | 27,000 | 38,000 |
| Net income | 370,000 | 774,000 | 1,280,000 | 1,754,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,587,000 | 11,793,000 | 12,299,000 | 12,435,000 |
| Total capital | 12,608,000 | 12,821,000 | 13,356,000 | 13,542,000 |
| Risk-weighted assets | 81,618,000 | 82,174,000 | 84,523,000 | 88,453,000 |