Call reports 2004
MORRIS BUILDING AND LOAN, S.B. — 2004
What MORRIS BUILDING AND LOAN, S.B. reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 38,847,000 | 39,219,000 | 39,205,000 | 39,613,000 |
| Total loans | 21,551,000 | 21,829,000 | 21,217,000 | 21,220,000 |
| Allowance for loan losses | 127,000 | 129,000 | 129,000 | 130,000 |
| Securities available for sale | 5,037,000 | 4,854,000 | 5,182,000 | 5,951,000 |
| Securities held to maturity | 1,555,000 | 1,555,000 | 1,555,000 | 1,525,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 28,896,000 | 28,790,000 | 27,450,000 | 27,457,000 |
| Interest-bearing deposits | 27,505,000 | 27,385,000 | 26,128,000 | 25,691,000 |
| Noninterest-bearing deposits | 1,391,000 | 1,405,000 | 1,322,000 | 1,766,000 |
| Equity capital | 3,656,000 | 3,569,000 | 3,551,000 | 3,474,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 483,000 | 954,000 | 1,419,000 | 1,895,000 |
| Interest expense | 205,000 | 401,000 | 596,000 | 789,000 |
| Net interest income | 278,000 | 553,000 | 823,000 | 1,106,000 |
| Noninterest income | 67,000 | 124,000 | 182,000 | 221,000 |
| Noninterest expense | 369,000 | 723,000 | 1,091,000 | 1,473,000 |
| Provision for loan losses | -30,000 | -29,000 | -29,000 | -29,000 |
| Pretax income | 6,000 | -22,000 | -67,000 | -124,000 |
| Income tax | 30,000 | 30,000 | 30,000 | 30,000 |
| Net income | -24,000 | -52,000 | -97,000 | -154,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,596,000 | 3,568,000 | 3,529,000 | 3,473,000 |
| Total capital | 3,723,000 | 3,697,000 | 3,658,000 | 3,603,000 |
| Risk-weighted assets | 18,256,000 | 18,376,000 | 18,568,000 | 18,957,000 |