Call reports 2025
MONROE FEDERAL SAVINGS AND LOAN ASSOCIATION — 2025
What MONROE FEDERAL SAVINGS AND LOAN ASSOCIATION reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 144,414,000 | 145,620,000 | 147,779,000 | 148,185,000 |
| Total loans | 107,848,000 | 109,269,000 | 110,713,000 | 112,241,000 |
| Allowance for loan losses | 853,000 | 935,000 | 952,000 | 890,000 |
| Securities available for sale | 22,465,000 | 22,164,000 | 22,314,000 | 22,305,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 122,584,000 | 127,280,000 | 124,316,000 | 130,944,000 |
| Interest-bearing deposits | 113,122,000 | 116,684,000 | 113,413,000 | 121,955,000 |
| Noninterest-bearing deposits | 9,462,000 | 10,596,000 | 10,903,000 | 8,989,000 |
| Equity capital | 10,276,000 | 10,248,000 | 10,650,000 | 11,002,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 1,484,000 | 2,990,000 | 4,589,000 | 6,140,000 |
| Interest expense | 570,000 | 1,170,000 | 1,797,000 | 2,422,000 |
| Net interest income | 914,000 | 1,820,000 | 2,792,000 | 3,718,000 |
| Noninterest income | 80,000 | 163,000 | 248,000 | 385,000 |
| Noninterest expense | 1,061,000 | 2,118,000 | 3,234,000 | 4,293,000 |
| Provision for loan losses | -62,000 | 20,000 | 37,000 | -25,000 |
| Pretax income | -4,000 | -153,000 | -223,000 | -138,000 |
| Income tax | -36,000 | -79,000 | -107,000 | -99,000 |
| Net income | 32,000 | -74,000 | -116,000 | -39,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,461,000 | 14,292,000 | 14,257,000 | 14,339,000 |