Call reports 2008
MOORESVILLE SAVINGS BANK, INC., SSB — 2008
What MOORESVILLE SAVINGS BANK, INC., SSB reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 |
|---|---|---|---|
| Total assets | 156,828,000 | 156,564,000 | 158,375,000 |
| Total loans | 132,857,000 | 133,710,000 | 136,465,000 |
| Allowance for loan losses | 585,000 | 586,000 | 584,000 |
| Securities available for sale | 1,376,000 | 1,219,000 | 1,156,000 |
| Securities held to maturity | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 |
| Total deposits | 137,554,000 | 137,172,000 | 134,763,000 |
| Interest-bearing deposits | 133,488,000 | 134,042,000 | 132,198,000 |
| Noninterest-bearing deposits | 4,066,000 | 3,130,000 | 2,565,000 |
| Equity capital | 16,889,000 | 16,868,000 | 16,844,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 |
|---|---|---|---|
| Interest income | 2,318,000 | 4,600,000 | 6,892,000 |
| Interest expense | 1,242,000 | 2,438,000 | 3,567,000 |
| Net interest income | 1,076,000 | 2,162,000 | 3,325,000 |
| Noninterest income | 54,000 | 110,000 | 160,000 |
| Noninterest expense | 990,000 | 2,037,000 | 3,075,000 |
| Provision for loan losses | 0 | 0 | 0 |
| Pretax income | 140,000 | 235,000 | 410,000 |
| Income tax | 54,000 | 87,000 | 153,000 |
| Net income | 86,000 | 148,000 | 257,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 |
|---|---|---|---|
| Tier 1 capital | 16,887,000 | 16,868,000 | 16,847,000 |
| Total capital | 17,472,000 | 17,454,000 | 17,431,000 |
| Risk-weighted assets | 96,973,000 | 97,824,000 | 112,631,000 |