Call reports 2008
MONARCH BANK — 2008
What MONARCH BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 543,290,000 | 577,589,000 | 594,563,000 | 597,236,000 |
| Total loans | 491,728,000 | 526,917,000 | 537,478,000 | 559,109,000 |
| Allowance for loan losses | 4,325,000 | 4,621,000 | 4,991,000 | 8,046,000 |
| Securities available for sale | 8,083,000 | 9,183,000 | 17,290,000 | 5,847,000 |
| Securities held to maturity | 1,492,000 | 1,000,000 | 500,000 | 500,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 468,993,000 | 464,510,000 | 498,838,000 | 496,218,000 |
| Interest-bearing deposits | 398,950,000 | 389,601,000 | 425,325,000 | 417,192,000 |
| Noninterest-bearing deposits | 70,043,000 | 74,909,000 | 73,513,000 | 79,026,000 |
| Equity capital | 47,644,000 | 55,343,000 | 56,264,000 | 55,102,000 |
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 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 7,928,000 | 15,158,000 | 23,428,000 | 30,861,000 |
| Interest expense | 3,838,000 | 7,346,000 | 10,744,000 | 14,196,000 |
| Net interest income | 4,090,000 | 7,812,000 | 12,684,000 | 16,665,000 |
| Noninterest income | 4,711,000 | 10,228,000 | 14,515,000 | 19,891,000 |
| Noninterest expense | 6,810,000 | 14,204,000 | 21,586,000 | 29,328,000 |
| Provision for loan losses | 395,000 | 764,000 | 1,245,000 | 5,014,000 |
| Pretax income | 1,599,000 | 3,083,000 | 4,379,000 | 2,158,000 |
| Income tax | 468,000 | 915,000 | 1,327,000 | 505,000 |
| Net income | 1,131,000 | 2,168,000 | 3,052,000 | 1,653,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 45,698,000 | 53,508,000 | 54,494,000 | 53,303,000 |
| Total capital | 50,023,000 | 58,129,000 | 59,485,000 | 59,603,000 |
| Risk-weighted assets | 472,412,000 | 473,421,000 | 491,373,000 | 502,040,000 |
Machine access — free, no API key
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