Call reports 2003
MOORESVILLE SAVINGS BANK, INC., SSB — 2003
What MOORESVILLE SAVINGS BANK, INC., SSB reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 139,543,000 | 138,964,000 | 137,840,000 | 136,394,000 |
| Total loans | 107,244,000 | 106,490,000 | 105,300,000 | 107,617,000 |
| Allowance for loan losses | 854,000 | 862,000 | 868,000 | 877,000 |
| Securities available for sale | 505,000 | 201,000 | 1,990,000 | 940,000 |
| Securities held to maturity | 1,023,000 | 1,022,000 | 522,000 | 522,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 117,528,000 | 116,652,000 | 115,219,000 | 113,864,000 |
| Interest-bearing deposits | 114,211,000 | 114,440,000 | 111,969,000 | 110,154,000 |
| Noninterest-bearing deposits | 3,317,000 | 2,212,000 | 3,250,000 | 3,710,000 |
| Equity capital | 18,500,000 | 18,520,000 | 18,475,000 | 18,744,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 2,056,000 | 4,012,000 | 6,049,000 | 7,931,000 |
| Interest expense | 788,000 | 1,537,000 | 2,237,000 | 2,889,000 |
| Net interest income | 1,268,000 | 2,475,000 | 3,812,000 | 5,042,000 |
| Noninterest income | 88,000 | 148,000 | 291,000 | 351,000 |
| Noninterest expense | 1,023,000 | 1,985,000 | 2,998,000 | 3,771,000 |
| Provision for loan losses | 9,000 | 18,000 | 27,000 | 36,000 |
| Pretax income | 324,000 | 620,000 | 1,078,000 | 1,586,000 |
| Income tax | 110,000 | 199,000 | 346,000 | 562,000 |
| Net income | 214,000 | 421,000 | 732,000 | 1,024,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,498,000 | 18,515,000 | 18,464,000 | 18,735,000 |
| Total capital | 19,352,000 | 19,377,000 | 19,332,000 | 19,612,000 |
| Risk-weighted assets | 80,873,000 | 80,482,000 | 80,115,000 | 80,461,000 |