Call reports 2013
MONARCH BANK — 2013
What MONARCH BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 1,054,161,000 | 1,020,589,000 | 1,011,114,000 | 1,015,892,000 |
| Total loans | 934,867,000 | 863,962,000 | 817,976,000 | 812,389,000 |
| Allowance for loan losses | 10,788,000 | 11,320,000 | 11,228,000 | 9,061,000 |
| Securities available for sale | 16,493,000 | 16,573,000 | 16,973,000 | 48,822,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 931,453,000 | 898,655,000 | 886,209,000 | 893,072,000 |
| Interest-bearing deposits | 730,116,000 | 679,789,000 | 664,049,000 | 686,227,000 |
| Noninterest-bearing deposits | 201,337,000 | 218,866,000 | 222,160,000 | 206,845,000 |
| Equity capital | 105,490,000 | 103,375,000 | 105,781,000 | 107,658,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 11,854,000 | 22,830,000 | 33,671,000 | 44,349,000 |
| Interest expense | 1,287,000 | 2,324,000 | 3,318,000 | 4,240,000 |
| Net interest income | 10,567,000 | 20,506,000 | 30,353,000 | 40,109,000 |
| Noninterest income | 17,181,000 | 38,855,000 | 55,530,000 | 69,879,000 |
| Noninterest expense | 21,860,000 | 48,034,000 | 70,346,000 | 90,906,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 5,888,000 | 11,327,000 | 15,537,000 | 19,082,000 |
| Income tax | 1,994,000 | 3,791,000 | 5,207,000 | 6,386,000 |
| Net income | 3,609,000 | 6,823,000 | 9,361,000 | 11,640,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 105,975,000 | 104,256,000 | 106,240,000 | 107,279,000 |
| Total capital | 116,425,000 | 114,767,000 | 116,809,000 | 116,340,000 |
| Risk-weighted assets | 834,900,000 | 840,062,000 | 844,844,000 | 833,974,000 |
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