Call reports 2016
MONROE FEDERAL SAVINGS AND LOAN ASSOCIATION — 2016
What MONROE FEDERAL SAVINGS AND LOAN ASSOCIATION 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 | 90,961,000 | 91,630,000 | 91,798,000 | 94,203,000 |
| Total loans | 65,726,000 | 64,315,000 | 61,944,000 | 63,348,000 |
| Allowance for loan losses | 696,000 | 689,000 | 691,000 | 681,000 |
| Securities available for sale | 12,014,000 | 14,576,000 | 14,481,000 | 18,861,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 79,025,000 | 78,725,000 | 79,723,000 | 82,052,000 |
| Interest-bearing deposits | 73,651,000 | 72,650,000 | 74,109,000 | 74,983,000 |
| Noninterest-bearing deposits | 5,374,000 | 6,075,000 | 5,614,000 | 7,069,000 |
| Equity capital | 11,141,000 | 11,262,000 | 11,259,000 | 10,943,000 |
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 | 849,000 | 1,704,000 | 2,551,000 | 3,381,000 |
| Interest expense | 112,000 | 225,000 | 341,000 | 461,000 |
| Net interest income | 737,000 | 1,479,000 | 2,210,000 | 2,920,000 |
| Noninterest income | 71,000 | 141,000 | 212,000 | 290,000 |
| Noninterest expense | 695,000 | 1,409,000 | 2,138,000 | 2,828,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 113,000 | 239,000 | 312,000 | 471,000 |
| Income tax | 26,000 | 63,000 | 82,000 | 117,000 |
| Net income | 87,000 | 176,000 | 230,000 | 354,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,012,000 | 11,102,000 | 11,155,000 | 11,280,000 |
| Total capital | 11,708,000 | 11,791,000 | 11,846,000 | 11,961,000 |
| Risk-weighted assets | 58,790,000 | 57,838,000 | 56,487,000 | 58,407,000 |