Call reports 2007
MOORESVILLE SAVINGS BANK, INC., SSB — 2007
What MOORESVILLE SAVINGS BANK, INC., SSB reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 150,121,000 | 150,737,000 | 154,338,000 | 153,506,000 |
| Total loans | 131,818,000 | 132,082,000 | 132,884,000 | 134,422,000 |
| Allowance for loan losses | 715,000 | 714,000 | 709,000 | 787,000 |
| Securities available for sale | 1,482,000 | 1,414,000 | 1,424,000 | 1,401,000 |
| Securities held to maturity | 400,000 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 130,647,000 | 131,133,000 | 134,600,000 | 134,254,000 |
| Interest-bearing deposits | 126,147,000 | 127,922,000 | 131,153,000 | 130,341,000 |
| Noninterest-bearing deposits | 4,500,000 | 3,211,000 | 3,447,000 | 3,913,000 |
| Equity capital | 17,026,000 | 16,961,000 | 16,937,000 | 16,962,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 2,367,000 | 4,768,000 | 7,225,000 | 9,544,000 |
| Interest expense | 1,297,000 | 2,522,000 | 3,807,000 | 5,084,000 |
| Net interest income | 1,070,000 | 2,246,000 | 3,418,000 | 4,460,000 |
| Noninterest income | 57,000 | 109,000 | 162,000 | 222,000 |
| Noninterest expense | 1,076,000 | 2,096,000 | 3,103,000 | 3,835,000 |
| Provision for loan losses | 0 | 0 | 0 | 164,000 |
| Pretax income | 51,000 | 259,000 | 477,000 | 683,000 |
| Income tax | 8,000 | 96,000 | 197,000 | 214,000 |
| Net income | 43,000 | 163,000 | 280,000 | 469,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,023,000 | 16,985,000 | 16,935,000 | 16,960,000 |
| Total capital | 17,738,000 | 17,699,000 | 17,644,000 | 17,747,000 |
| Risk-weighted assets | 96,036,000 | 96,212,000 | 96,834,000 | 96,920,000 |