Call reports 2015
MONROE BANK & TRUST — 2015
What MONROE BANK & TRUST 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 | 1,306,196,000 | 1,291,194,000 | 1,315,761,000 | 1,341,252,000 |
| Total loans | 619,385,000 | 625,172,000 | 625,406,000 | 618,785,000 |
| Allowance for loan losses | 13,191,000 | 13,079,000 | 12,996,000 | 10,896,000 |
| Securities available for sale | 493,550,000 | 503,703,000 | 487,626,000 | 496,859,000 |
| Securities held to maturity | 36,354,000 | 35,277,000 | 37,492,000 | 41,282,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,136,943,000 | 1,122,847,000 | 1,138,365,000 | 1,167,003,000 |
| Interest-bearing deposits | 899,569,000 | 883,116,000 | 889,297,000 | 911,598,000 |
| Noninterest-bearing deposits | 237,374,000 | 239,731,000 | 249,068,000 | 255,405,000 |
| Equity capital | 138,073,000 | 136,751,000 | 144,038,000 | 145,156,000 |
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 | 10,157,000 | 20,031,000 | 29,992,000 | 40,026,000 |
| Interest expense | 819,000 | 1,615,000 | 2,355,000 | 3,066,000 |
| Net interest income | 9,338,000 | 18,416,000 | 27,637,000 | 36,960,000 |
| Noninterest income | 3,393,000 | 7,179,000 | 11,144,000 | 14,943,000 |
| Noninterest expense | 9,705,000 | 19,309,000 | 28,437,000 | 37,878,000 |
| Provision for loan losses | -800,000 | -800,000 | -1,000,000 | -3,000,000 |
| Pretax income | 4,062,000 | 7,344,000 | 11,618,000 | 17,423,000 |
| Income tax | 1,210,000 | 2,124,000 | 3,367,000 | 5,129,000 |
| Net income | 2,852,000 | 5,220,000 | 8,251,000 | 12,294,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 131,235,000 | 134,216,000 | 138,164,000 | 143,175,000 |
| Total capital | 140,979,000 | 144,165,000 | 148,049,000 | 153,026,000 |
| Risk-weighted assets | 767,637,000 | 785,523,000 | 780,134,000 | 781,065,000 |