Call reports 2012
MONARCH BANK — 2012
What MONARCH BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 937,396,000 | 993,269,000 | 1,109,510,000 | 1,214,633,000 |
| Total loans | 841,551,000 | 907,730,000 | 1,009,390,000 | 1,080,216,000 |
| Allowance for loan losses | 10,400,000 | 10,724,000 | 10,890,000 | 10,910,000 |
| Securities available for sale | 8,841,000 | 10,820,000 | 10,328,000 | 14,634,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 812,275,000 | 853,307,000 | 887,861,000 | 901,835,000 |
| Interest-bearing deposits | 662,162,000 | 674,648,000 | 705,627,000 | 711,611,000 |
| Noninterest-bearing deposits | 150,113,000 | 178,659,000 | 182,234,000 | 190,224,000 |
| Equity capital | 88,454,000 | 95,386,000 | 98,704,000 | 102,116,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 10,975,000 | 21,957,000 | 33,778,000 | 46,468,000 |
| Interest expense | 1,344,000 | 2,646,000 | 3,916,000 | 5,347,000 |
| Net interest income | 9,631,000 | 19,311,000 | 29,862,000 | 41,121,000 |
| Noninterest income | 17,499,000 | 38,210,000 | 64,495,000 | 89,345,000 |
| Noninterest expense | 20,985,000 | 45,267,000 | 74,801,000 | 103,830,000 |
| Provision for loan losses | 1,931,000 | 3,415,000 | 4,314,000 | 4,831,000 |
| Pretax income | 4,214,000 | 8,839,000 | 15,242,000 | 21,806,000 |
| Income tax | 1,422,000 | 2,978,000 | 5,089,000 | 7,427,000 |
| Net income | 2,639,000 | 5,551,000 | 9,476,000 | 13,404,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 87,784,000 | 94,755,000 | 99,048,000 | 102,525,000 |
| Total capital | 96,935,000 | 104,452,000 | 109,402,000 | 113,179,000 |
| Risk-weighted assets | 730,042,000 | 774,005,000 | 827,026,000 | 888,987,000 |
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