Call reports 2022
MONROE FEDERAL SAVINGS AND LOAN ASSOCIATION — 2022
What MONROE FEDERAL SAVINGS AND LOAN ASSOCIATION reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 138,293,000 | 143,608,000 | 144,479,000 | 149,358,000 |
| Total loans | 93,152,000 | 98,182,000 | 103,553,000 | 107,266,000 |
| Allowance for loan losses | 546,000 | 577,000 | 598,000 | 620,000 |
| Securities available for sale | 31,628,000 | 28,933,000 | 26,099,000 | 26,236,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 118,844,000 | 125,190,000 | 125,871,000 | 135,064,000 |
| Interest-bearing deposits | 107,176,000 | 112,776,000 | 115,000,000 | 124,314,000 |
| Noninterest-bearing deposits | 11,668,000 | 12,414,000 | 10,871,000 | 10,750,000 |
| Equity capital | 10,486,000 | 8,160,000 | 7,518,000 | 8,172,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 1,039,000 | 2,118,000 | 3,283,000 | 4,537,000 |
| Interest expense | 117,000 | 251,000 | 431,000 | 690,000 |
| Net interest income | 922,000 | 1,867,000 | 2,852,000 | 3,847,000 |
| Noninterest income | 63,000 | 129,000 | 201,000 | 270,000 |
| Noninterest expense | 854,000 | 1,736,000 | 2,629,000 | 3,551,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 116,000 | 230,000 | 379,000 | 506,000 |
| Income tax | 12,000 | 22,000 | 41,000 | 55,000 |
| Net income | 104,000 | 208,000 | 338,000 | 451,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,773,000 | 12,877,000 | 13,006,000 | 13,120,000 |
| Total capital | 13,319,000 | — | — | — |
| Risk-weighted assets | 90,224,000 | — | — | — |