Call reports 2012
MONROE FEDERAL SAVINGS AND LOAN ASSOCIATION — 2012
What MONROE FEDERAL SAVINGS AND LOAN ASSOCIATION 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 | 89,201,000 | 89,553,000 | 87,958,000 | 88,695,000 |
| Total loans | 65,957,000 | 65,032,000 | 64,527,000 | 63,238,000 |
| Allowance for loan losses | 840,000 | 847,000 | 803,000 | 787,000 |
| Securities available for sale | 9,436,000 | 12,182,000 | 14,484,000 | 16,892,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 78,091,000 | 78,443,000 | 76,734,000 | 77,530,000 |
| Interest-bearing deposits | 75,091,000 | 75,117,000 | 73,216,000 | 73,976,000 |
| Noninterest-bearing deposits | 3,000,000 | 3,326,000 | 3,518,000 | 3,554,000 |
| Equity capital | 10,171,000 | 10,202,000 | 10,271,000 | 10,202,000 |
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 | 970,000 | 1,944,000 | 2,836,000 | 3,716,000 |
| Interest expense | 204,000 | 398,000 | 558,000 | 712,000 |
| Net interest income | 766,000 | 1,546,000 | 2,278,000 | 3,004,000 |
| Noninterest income | 181,000 | 245,000 | 323,000 | 384,000 |
| Noninterest expense | 720,000 | 1,452,000 | 2,219,000 | 2,988,000 |
| Provision for loan losses | 0 | 35,000 | 35,000 | 35,000 |
| Pretax income | 227,000 | 304,000 | 347,000 | 365,000 |
| Income tax | 77,000 | 103,000 | 118,000 | 124,000 |
| Net income | 150,000 | 201,000 | 229,000 | 241,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,979,000 | 10,030,000 | 10,058,000 | 10,070,000 |
| Total capital | 10,681,000 | 10,668,000 | 10,695,000 | 10,718,000 |
| Risk-weighted assets | 56,751,000 | 51,167,000 | 52,103,000 | 51,679,000 |
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