Call reports 2003
MORRIS BUILDING AND LOAN, S.B. — 2003
What MORRIS BUILDING AND LOAN, S.B. reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 41,369,000 | 40,833,000 | 38,959,000 | 38,202,000 |
| Total loans | 26,953,000 | 24,505,000 | 22,445,000 | 22,041,000 |
| Allowance for loan losses | 158,000 | 160,000 | 161,000 | 156,000 |
| Securities available for sale | 2,933,000 | 2,998,000 | 3,913,000 | 3,733,000 |
| Securities held to maturity | 105,000 | 1,111,000 | 1,060,000 | 1,060,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 31,254,000 | 30,669,000 | 28,941,000 | 28,235,000 |
| Interest-bearing deposits | 28,769,000 | 28,873,000 | 27,797,000 | 26,917,000 |
| Noninterest-bearing deposits | 2,485,000 | 1,796,000 | 1,144,000 | 1,318,000 |
| Equity capital | 3,651,000 | 3,706,000 | 3,693,000 | 3,663,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 529,000 | 1,021,000 | 1,502,000 | 1,993,000 |
| Interest expense | 273,000 | 519,000 | 748,000 | 962,000 |
| Net interest income | 256,000 | 502,000 | 754,000 | 1,031,000 |
| Noninterest income | 135,000 | 260,000 | 363,000 | 451,000 |
| Noninterest expense | 335,000 | 641,000 | 966,000 | 1,317,000 |
| Provision for loan losses | 0 | 1,000 | 1,000 | 2,000 |
| Pretax income | 61,000 | 124,000 | 154,000 | 167,000 |
| Income tax | 0 | 16,000 | 26,000 | 50,000 |
| Net income | 61,000 | 108,000 | 128,000 | 117,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,575,000 | 3,617,000 | 3,630,000 | 3,619,000 |
| Total capital | 3,733,000 | 3,777,000 | 3,791,000 | 3,775,000 |
| Risk-weighted assets | 20,912,000 | 20,164,000 | 19,260,000 | 18,847,000 |