Call reports 2015
MONARCH BANK — 2015
What MONARCH BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 1,178,069,000 | 1,170,363,000 | 1,121,278,000 | 1,161,137,000 |
| Total loans | 946,902,000 | 986,910,000 | 943,948,000 | 998,614,000 |
| Allowance for loan losses | 8,644,000 | 8,676,000 | 8,733,000 | 8,887,000 |
| Securities available for sale | 20,283,000 | 17,337,000 | 14,998,000 | 30,213,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,036,886,000 | 979,997,000 | 963,023,000 | 999,906,000 |
| Interest-bearing deposits | 766,693,000 | 685,582,000 | 685,473,000 | 719,014,000 |
| Noninterest-bearing deposits | 270,193,000 | 294,415,000 | 277,550,000 | 280,892,000 |
| Equity capital | 119,446,000 | 122,373,000 | 124,948,000 | 126,628,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 11,386,000 | 23,409,000 | 35,346,000 | 47,395,000 |
| Interest expense | 691,000 | 1,453,000 | 2,216,000 | 2,956,000 |
| Net interest income | 10,695,000 | 21,956,000 | 33,130,000 | 44,439,000 |
| Noninterest income | 22,227,000 | 45,841,000 | 66,580,000 | 85,040,000 |
| Noninterest expense | 27,139,000 | 56,280,000 | 83,153,000 | 108,320,000 |
| Provision for loan losses | 250,000 | 500,000 | 500,000 | 0 |
| Pretax income | 5,533,000 | 11,017,000 | 16,057,000 | 21,182,000 |
| Income tax | 1,993,000 | 3,955,000 | 5,778,000 | 7,584,000 |
| Net income | 3,508,000 | 6,979,000 | 10,155,000 | 13,406,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 118,643,000 | 121,664,000 | 124,262,000 | 126,066,000 |
| Total capital | 127,287,000 | 130,340,000 | 132,995,000 | 134,953,000 |
| Risk-weighted assets | 951,616,000 | 964,184,000 | 953,041,000 | 992,324,000 |