Call reports 2004
MOORESVILLE SAVINGS BANK, INC., SSB — 2004
What MOORESVILLE SAVINGS BANK, INC., SSB 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 | 134,287,000 | 132,930,000 | 133,792,000 | 134,266,000 |
| Total loans | 108,363,000 | 111,085,000 | 114,051,000 | 115,694,000 |
| Allowance for loan losses | 886,000 | 893,000 | 900,000 | 906,000 |
| Securities available for sale | 1,896,000 | 1,753,000 | 1,706,000 | 2,062,000 |
| Securities held to maturity | 523,000 | 523,000 | 523,000 | 523,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 112,768,000 | 112,196,000 | 112,757,000 | 112,894,000 |
| Interest-bearing deposits | 108,833,000 | 109,088,000 | 108,248,000 | 108,044,000 |
| Noninterest-bearing deposits | 3,935,000 | 3,108,000 | 4,509,000 | 4,850,000 |
| Equity capital | 18,230,000 | 17,726,000 | 17,745,000 | 18,014,000 |
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 | 1,831,000 | 3,640,000 | 5,506,000 | 7,435,000 |
| Interest expense | 612,000 | 1,208,000 | 1,808,000 | 2,450,000 |
| Net interest income | 1,219,000 | 2,432,000 | 3,698,000 | 4,985,000 |
| Noninterest income | 61,000 | 116,000 | 168,000 | 323,000 |
| Noninterest expense | 1,009,000 | 1,998,000 | 2,996,000 | 3,826,000 |
| Provision for loan losses | 9,000 | 18,000 | 27,000 | 36,000 |
| Pretax income | 262,000 | 532,000 | 843,000 | 1,446,000 |
| Income tax | 86,000 | 174,000 | 324,000 | 491,000 |
| Net income | 176,000 | 358,000 | 519,000 | 955,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,223,000 | 17,740,000 | 17,751,000 | 18,011,000 |
| Total capital | 19,109,000 | 18,633,000 | 18,651,000 | 18,917,000 |
| Risk-weighted assets | 81,203,000 | 82,355,000 | 84,349,000 | 85,176,000 |