Call reports 2006
MONARCH COMMUNITY BANK — 2006
What MONARCH COMMUNITY BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|
| Total assets | 284,890,000 | 293,111,000 | 289,031,000 |
| Total loans | 231,569,000 | 237,926,000 | 234,103,000 |
| Allowance for loan losses | 2,590,000 | 2,585,000 | 2,024,000 |
| Securities available for sale | 13,308,000 | 13,627,000 | 13,622,000 |
| Securities held to maturity | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 |
| Total deposits | 183,769,000 | 192,346,000 | 192,630,000 |
| Interest-bearing deposits | 165,678,000 | 175,563,000 | 176,809,000 |
| Noninterest-bearing deposits | 18,091,000 | 16,783,000 | 15,821,000 |
| Equity capital | 38,110,000 | 38,608,000 | 39,262,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|
| Interest income | 8,224,000 | 12,619,000 | 17,220,000 |
| Interest expense | 4,017,000 | 6,288,000 | 8,690,000 |
| Net interest income | 4,207,000 | 6,331,000 | 8,530,000 |
| Noninterest income | 1,361,000 | 2,029,000 | 2,736,000 |
| Noninterest expense | 4,590,000 | 6,842,000 | 8,920,000 |
| Provision for loan losses | 0 | 0 | 0 |
| Pretax income | 978,000 | 1,491,000 | 2,326,000 |
| Income tax | 264,000 | 429,000 | 658,000 |
| Net income | 714,000 | 1,062,000 | 1,668,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|
| Tier 1 capital | 26,762,000 | 27,679,000 | 27,869,000 |
| Total capital | 29,302,000 | 30,229,000 | 29,894,000 |
| Risk-weighted assets | 203,117,000 | 203,971,000 | 207,022,000 |
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