Call reports 2004
MONROE BANK & TRUST — 2004
What MONROE BANK & TRUST reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 1,413,541,000 | 1,524,913,000 | 1,555,231,000 | 1,553,275,000 |
| Total loans | 882,296,000 | 923,832,000 | 945,595,000 | 945,902,000 |
| Allowance for loan losses | 14,087,000 | 14,269,000 | 14,425,000 | 13,046,000 |
| Securities available for sale | 333,782,000 | 405,189,000 | 417,350,000 | 408,353,000 |
| Securities held to maturity | 98,119,000 | 91,513,000 | 88,045,000 | 84,141,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,023,340,000 | 1,042,074,000 | 1,076,189,000 | 1,104,989,000 |
| Interest-bearing deposits | 893,394,000 | 895,512,000 | 922,920,000 | 951,043,000 |
| Noninterest-bearing deposits | 129,946,000 | 146,562,000 | 153,269,000 | 153,946,000 |
| Equity capital | 148,325,000 | 143,362,000 | 152,251,000 | 153,524,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 18,590,000 | 37,860,000 | 58,604,000 | 79,771,000 |
| Interest expense | 5,920,000 | 12,186,000 | 19,303,000 | 26,998,000 |
| Net interest income | 12,670,000 | 25,674,000 | 39,301,000 | 52,773,000 |
| Noninterest income | 3,072,000 | 6,361,000 | 9,762,000 | 12,829,000 |
| Noninterest expense | 7,833,000 | 15,683,000 | 23,677,000 | 32,087,000 |
| Provision for loan losses | 600,000 | 1,200,000 | 1,800,000 | 2,491,000 |
| Pretax income | 7,416,000 | 15,252,000 | 23,677,000 | 31,551,000 |
| Income tax | 1,987,000 | 4,113,000 | 6,409,000 | 8,826,000 |
| Net income | 5,429,000 | 11,139,000 | 17,268,000 | 22,725,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 146,449,000 | 147,273,000 | 150,616,000 | 153,387,000 |
| Total capital | 158,802,000 | 160,538,000 | 164,229,000 | 166,976,000 |
| Risk-weighted assets | 983,412,000 | 1,057,976,000 | 1,084,966,000 | 1,084,801,000 |
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