Call reports 2014
MONARCH BANK — 2014
What MONARCH BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 1,021,912,000 | 1,023,589,000 | 1,018,931,000 | 1,066,426,000 |
| Total loans | 807,927,000 | 856,743,000 | 852,257,000 | 920,280,000 |
| Allowance for loan losses | 9,213,000 | 9,070,000 | 8,977,000 | 8,949,000 |
| Securities available for sale | 23,197,000 | 23,772,000 | 25,137,000 | 23,725,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 894,143,000 | 891,268,000 | 884,934,000 | 919,454,000 |
| Interest-bearing deposits | 672,813,000 | 650,945,000 | 632,487,000 | 684,113,000 |
| Noninterest-bearing deposits | 221,330,000 | 240,323,000 | 252,447,000 | 235,341,000 |
| Equity capital | 109,952,000 | 112,749,000 | 115,082,000 | 117,445,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 10,434,000 | 20,991,000 | 31,630,000 | 42,991,000 |
| Interest expense | 849,000 | 1,702,000 | 2,506,000 | 3,246,000 |
| Net interest income | 9,585,000 | 19,289,000 | 29,124,000 | 39,745,000 |
| Noninterest income | 13,309,000 | 31,774,000 | 49,681,000 | 67,073,000 |
| Noninterest expense | 18,747,000 | 41,720,000 | 64,849,000 | 88,473,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 4,147,000 | 9,343,000 | 13,956,000 | 18,345,000 |
| Income tax | 1,471,000 | 3,239,000 | 4,874,000 | 6,490,000 |
| Net income | 2,660,000 | 5,967,000 | 8,899,000 | 11,628,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 109,449,000 | 112,193,000 | 114,576,000 | 116,858,000 |
| Total capital | 118,662,000 | 121,263,000 | 123,553,000 | 125,807,000 |
| Risk-weighted assets | 830,039,000 | 847,424,000 | 871,312,000 | 911,247,000 |