Call reports 2009
MONARCH COMMUNITY BANK — 2009
What MONARCH COMMUNITY BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 300,372,000 | 299,954,000 | 305,885,000 | 280,878,000 |
| Total loans | 246,315,000 | 245,228,000 | 239,822,000 | 228,594,000 |
| Allowance for loan losses | 3,211,000 | 5,550,000 | 5,986,000 | 5,783,000 |
| Securities available for sale | 14,800,000 | 17,857,000 | 15,758,000 | 14,475,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 201,346,000 | 202,476,000 | 215,798,000 | 212,531,000 |
| Interest-bearing deposits | 186,403,000 | 187,648,000 | 201,657,000 | 198,945,000 |
| Noninterest-bearing deposits | 14,943,000 | 14,828,000 | 14,141,000 | 13,586,000 |
| Equity capital | 40,441,000 | 38,641,000 | 38,566,000 | 21,204,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 4,129,000 | 8,212,000 | 12,233,000 | 16,045,000 |
| Interest expense | 1,976,000 | 3,894,000 | 5,694,000 | 7,338,000 |
| Net interest income | 2,153,000 | 4,318,000 | 6,539,000 | 8,707,000 |
| Noninterest income | 1,117,000 | 2,363,000 | 3,247,000 | 3,703,000 |
| Noninterest expense | 2,236,000 | 4,519,000 | 6,773,000 | 18,702,000 |
| Provision for loan losses | 722,000 | 4,163,000 | 5,413,000 | 13,349,000 |
| Pretax income | 312,000 | -2,000,000 | -2,399,000 | -19,631,000 |
| Income tax | 86,000 | -496,000 | -592,000 | -445,000 |
| Net income | 226,000 | -1,504,000 | -1,807,000 | -19,186,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,009,000 | 26,902,000 | 26,626,000 | 20,147,000 |
| Total capital | 32,843,000 | 29,752,000 | 29,282,000 | 22,887,000 |
| Risk-weighted assets | 227,023,000 | 233,375,000 | 225,413,000 | 216,127,000 |
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