Call reports 2006
MOORESVILLE SAVINGS BANK, INC., SSB — 2006
What MOORESVILLE SAVINGS BANK, INC., SSB reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 142,476,000 | 146,670,000 | 146,156,000 | 151,060,000 |
| Total loans | 121,135,000 | 123,701,000 | 128,544,000 | 131,017,000 |
| Allowance for loan losses | 923,000 | 836,000 | 846,000 | 822,000 |
| Securities available for sale | 2,530,000 | 2,500,000 | 2,507,000 | 2,493,000 |
| Securities held to maturity | 524,000 | 400,000 | 400,000 | 400,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 122,553,000 | 126,689,000 | 126,034,000 | 126,193,000 |
| Interest-bearing deposits | 117,667,000 | 122,952,000 | 123,476,000 | 122,860,000 |
| Noninterest-bearing deposits | 4,886,000 | 3,737,000 | 2,558,000 | 3,333,000 |
| Equity capital | 17,429,000 | 17,419,000 | 17,324,000 | 17,320,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 2,134,000 | 4,352,000 | 6,680,000 | 9,078,000 |
| Interest expense | 979,000 | 2,049,000 | 3,217,000 | 4,464,000 |
| Net interest income | 1,155,000 | 2,303,000 | 3,463,000 | 4,614,000 |
| Noninterest income | 76,000 | 134,000 | 187,000 | 241,000 |
| Noninterest expense | 1,075,000 | 2,152,000 | 3,310,000 | 4,309,000 |
| Provision for loan losses | 18,000 | 24,000 | 24,000 | 0 |
| Pretax income | 138,000 | 261,000 | 316,000 | 546,000 |
| Income tax | 49,000 | 92,000 | 107,000 | 181,000 |
| Net income | 89,000 | 169,000 | 209,000 | 365,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,403,000 | 17,391,000 | 17,330,000 | 17,322,000 |
| Total capital | 18,326,000 | 18,227,000 | 18,176,000 | 18,144,000 |
| Risk-weighted assets | 90,183,000 | 92,361,000 | 93,778,000 | 96,527,000 |