Call reports 2016
MONROE BANK & TRUST — 2016
What MONROE BANK & TRUST reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 1,332,902,000 | 1,322,153,000 | 1,341,707,000 | 1,356,363,000 |
| Total loans | 618,613,000 | 639,199,000 | 656,445,000 | 652,948,000 |
| Allowance for loan losses | 10,537,000 | 9,903,000 | 9,405,000 | 8,458,000 |
| Securities available for sale | 470,798,000 | 429,057,000 | 465,610,000 | 488,067,000 |
| Securities held to maturity | 42,816,000 | 39,314,000 | 42,685,000 | 40,741,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,164,287,000 | 1,163,593,000 | 1,181,706,000 | 1,201,692,000 |
| Interest-bearing deposits | 903,592,000 | 893,027,000 | 894,697,000 | 920,715,000 |
| Noninterest-bearing deposits | 260,695,000 | 270,566,000 | 287,009,000 | 280,977,000 |
| Equity capital | 140,253,000 | 144,796,000 | 145,746,000 | 139,093,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 9,980,000 | 19,840,000 | 29,830,000 | 39,848,000 |
| Interest expense | 693,000 | 1,312,000 | 1,790,000 | 2,237,000 |
| Net interest income | 9,287,000 | 18,528,000 | 28,040,000 | 37,611,000 |
| Noninterest income | 3,796,000 | 7,602,000 | 11,558,000 | 15,373,000 |
| Noninterest expense | 9,358,000 | 18,128,000 | 27,045,000 | 36,265,000 |
| Provision for loan losses | -300,000 | -500,000 | -1,200,000 | -2,200,000 |
| Pretax income | 4,345,000 | 10,574,000 | 15,912,000 | 21,070,000 |
| Income tax | 1,266,000 | 3,189,000 | 4,801,000 | 6,350,000 |
| Net income | 3,079,000 | 7,385,000 | 11,111,000 | 14,720,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 133,870,000 | 138,059,000 | 140,131,000 | 143,123,000 |
| Total capital | 143,643,000 | 148,355,000 | 149,925,000 | 151,936,000 |
| Risk-weighted assets | 774,772,000 | 820,659,000 | 824,414,000 | 838,306,000 |