Call reports 2012
MONROE BANK & TRUST — 2012
What MONROE BANK & TRUST 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 | 1,249,969,000 | 1,234,843,000 | 1,235,660,000 | 1,267,977,000 |
| Total loans | 667,294,000 | 668,604,000 | 651,218,000 | 628,769,000 |
| Allowance for loan losses | 20,481,000 | 19,486,000 | 19,123,000 | 17,299,000 |
| Securities available for sale | 352,746,000 | 360,925,000 | 379,192,000 | 393,335,000 |
| Securities held to maturity | 35,788,000 | 30,577,000 | 28,038,000 | 38,786,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,035,619,000 | 1,017,546,000 | 1,020,450,000 | 1,049,042,000 |
| Interest-bearing deposits | 871,091,000 | 849,083,000 | 851,962,000 | 865,814,000 |
| Noninterest-bearing deposits | 164,528,000 | 168,463,000 | 168,488,000 | 183,228,000 |
| Equity capital | 75,450,000 | 76,361,000 | 78,705,000 | 82,983,000 |
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 | 11,693,000 | 23,025,000 | 34,009,000 | 44,524,000 |
| Interest expense | 2,765,000 | 5,313,000 | 7,676,000 | 9,874,000 |
| Net interest income | 8,928,000 | 17,712,000 | 26,333,000 | 34,650,000 |
| Noninterest income | 3,310,000 | 6,608,000 | 10,162,000 | 14,090,000 |
| Noninterest expense | 9,653,000 | 18,975,000 | 28,219,000 | 37,344,000 |
| Provision for loan losses | 2,250,000 | 3,300,000 | 4,850,000 | 7,350,000 |
| Pretax income | 1,435,000 | 3,185,000 | 4,665,000 | 5,326,000 |
| Income tax | 126,000 | 1,549,000 | 1,566,000 | -3,503,000 |
| Net income | 1,309,000 | 1,636,000 | 3,099,000 | 8,829,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 75,428,000 | 75,766,000 | 77,239,000 | 79,113,000 |
| Total capital | 85,525,000 | 85,858,000 | 87,226,000 | 88,992,000 |
| Risk-weighted assets | 791,412,000 | 790,934,000 | 782,155,000 | 776,228,000 |