Call reports 2005
MOORESVILLE SAVINGS BANK, INC., SSB — 2005
What MOORESVILLE SAVINGS BANK, INC., SSB 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 | 134,421,000 | 138,037,000 | 141,216,000 | 138,507,000 |
| Total loans | 115,654,000 | 117,723,000 | 116,772,000 | 119,030,000 |
| Allowance for loan losses | 906,000 | 912,000 | 929,000 | 906,000 |
| Securities available for sale | 2,252,000 | 2,520,000 | 2,607,000 | 2,544,000 |
| Securities held to maturity | 524,000 | 524,000 | 521,000 | 524,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 113,575,000 | 116,994,000 | 120,071,000 | 118,242,000 |
| Interest-bearing deposits | 110,723,000 | 112,876,000 | 114,180,000 | 113,698,000 |
| Noninterest-bearing deposits | 2,852,000 | 4,118,000 | 5,891,000 | 4,544,000 |
| Equity capital | 17,500,000 | 17,515,000 | 17,479,000 | 17,441,000 |
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 | 1,936,000 | 3,925,000 | 6,002,000 | 8,069,000 |
| Interest expense | 676,000 | 1,422,000 | 2,263,000 | 3,171,000 |
| Net interest income | 1,260,000 | 2,503,000 | 3,739,000 | 4,898,000 |
| Noninterest income | 62,000 | 160,000 | 221,000 | 289,000 |
| Noninterest expense | 1,078,000 | 2,115,000 | 3,171,000 | 4,255,000 |
| Provision for loan losses | 9,000 | 21,000 | 39,000 | 57,000 |
| Pretax income | 235,000 | 527,000 | 750,000 | 875,000 |
| Income tax | 73,000 | 188,000 | 289,000 | 277,000 |
| Net income | 162,000 | 339,000 | 461,000 | 598,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,520,000 | 17,535,000 | 17,463,000 | 17,409,000 |
| Total capital | 18,426,000 | 18,447,000 | 18,392,000 | 18,315,000 |
| Risk-weighted assets | 85,309,000 | 87,285,000 | 88,320,000 | 89,009,000 |