Call reports 2014
MONROE BANK & TRUST — 2014
What MONROE BANK & TRUST 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 | 1,216,212,000 | 1,208,968,000 | 1,251,066,000 | 1,277,883,000 |
| Total loans | 592,024,000 | 599,803,000 | 586,152,000 | 610,880,000 |
| Allowance for loan losses | 16,158,000 | 15,001,000 | 13,130,000 | 13,208,000 |
| Securities available for sale | 419,177,000 | 436,000,000 | 467,465,000 | 473,176,000 |
| Securities held to maturity | 36,290,000 | 33,378,000 | 31,744,000 | 32,613,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,056,959,000 | 1,051,525,000 | 1,091,188,000 | 1,113,530,000 |
| Interest-bearing deposits | 846,532,000 | 854,843,000 | 879,753,000 | 893,590,000 |
| Noninterest-bearing deposits | 210,427,000 | 196,682,000 | 211,435,000 | 219,940,000 |
| Equity capital | 116,439,000 | 126,601,000 | 128,491,000 | 132,352,000 |
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 | 9,530,000 | 19,065,000 | 28,859,000 | 38,521,000 |
| Interest expense | 1,040,000 | 2,029,000 | 2,974,000 | 3,838,000 |
| Net interest income | 8,490,000 | 17,036,000 | 25,885,000 | 34,683,000 |
| Noninterest income | 3,613,000 | 6,982,000 | 10,131,000 | 14,026,000 |
| Noninterest expense | 9,605,000 | 19,305,000 | 28,611,000 | 38,385,000 |
| Provision for loan losses | 100,000 | 200,000 | -500,000 | -500,000 |
| Pretax income | 2,455,000 | 4,575,000 | 6,947,000 | 9,955,000 |
| Income tax | 625,000 | 1,140,000 | 1,745,000 | 2,570,000 |
| Net income | 1,830,000 | 3,435,000 | 5,202,000 | 7,385,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 104,691,000 | 111,929,000 | 114,898,000 | 117,944,000 |
| Total capital | 114,469,000 | 121,811,000 | 124,281,000 | 127,400,000 |
| Risk-weighted assets | 773,425,000 | 782,202,000 | 743,724,000 | 748,946,000 |