Call reports 2009
MONARCH BANK — 2009
What MONARCH BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 634,204,000 | 668,913,000 | 652,509,000 | 689,665,000 |
| Total loans | 587,959,000 | 612,122,000 | 593,560,000 | 616,694,000 |
| Allowance for loan losses | 8,660,000 | 9,030,000 | 9,550,000 | 9,300,000 |
| Securities available for sale | 5,798,000 | 5,262,000 | 5,762,000 | 7,189,000 |
| Securities held to maturity | 500,000 | 500,000 | 500,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 537,136,000 | 541,281,000 | 555,166,000 | 558,323,000 |
| Interest-bearing deposits | 446,427,000 | 442,637,000 | 455,703,000 | 463,870,000 |
| Noninterest-bearing deposits | 90,709,000 | 98,643,000 | 99,463,000 | 94,452,000 |
| Equity capital | 56,336,000 | 57,677,000 | 58,765,000 | 59,697,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 7,566,000 | 15,984,000 | 24,046,000 | 32,517,000 |
| Interest expense | 2,901,000 | 5,544,000 | 8,015,000 | 10,093,000 |
| Net interest income | 4,665,000 | 10,440,000 | 16,031,000 | 22,424,000 |
| Noninterest income | 7,842,000 | 17,746,000 | 26,561,000 | 35,634,000 |
| Noninterest expense | 10,060,000 | 21,659,000 | 32,666,000 | 45,035,000 |
| Provision for loan losses | 701,000 | 2,538,000 | 4,085,000 | 5,184,000 |
| Pretax income | 1,746,000 | 3,989,000 | 5,841,000 | 7,839,000 |
| Income tax | 515,000 | 1,214,000 | 1,834,000 | 2,453,000 |
| Net income | 1,137,000 | 2,629,000 | 3,839,000 | 5,182,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 54,588,000 | 55,958,000 | 57,071,000 | 58,177,000 |
| Total capital | 61,010,000 | 63,114,000 | 64,178,000 | 65,580,000 |
| Risk-weighted assets | 550,958,000 | 571,212,000 | 565,321,000 | 590,346,000 |
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