Call reports 2010
MONARCH COMMUNITY BANK — 2010
What MONARCH COMMUNITY BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 286,283,000 | 262,859,000 | 258,734,000 | 256,156,000 |
| Total loans | 224,376,000 | 217,285,000 | 209,312,000 | 191,742,000 |
| Allowance for loan losses | 6,268,000 | 9,782,000 | 9,678,000 | 6,850,000 |
| Securities available for sale | 16,265,000 | 16,455,000 | 11,954,000 | 11,383,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 218,512,000 | 201,586,000 | 202,025,000 | 206,139,000 |
| Interest-bearing deposits | 203,260,000 | 185,647,000 | 187,925,000 | 190,634,000 |
| Noninterest-bearing deposits | 15,252,000 | 15,939,000 | 14,100,000 | 15,505,000 |
| Equity capital | 21,500,000 | 14,916,000 | 12,508,000 | 12,132,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 3,546,000 | 6,841,000 | 9,928,000 | 12,989,000 |
| Interest expense | 1,457,000 | 2,842,000 | 4,134,000 | 5,372,000 |
| Net interest income | 2,089,000 | 3,999,000 | 5,794,000 | 7,617,000 |
| Noninterest income | 887,000 | 1,599,000 | 2,340,000 | 2,868,000 |
| Noninterest expense | 2,353,000 | 4,613,000 | 6,899,000 | 9,324,000 |
| Provision for loan losses | 1,845,000 | 8,885,000 | 11,609,000 | 11,602,000 |
| Pretax income | -1,185,000 | -7,863,000 | -10,298,000 | -10,365,000 |
| Income tax | 23,000 | 39,000 | 56,000 | 255,000 |
| Net income | -1,208,000 | -7,902,000 | -10,354,000 | -10,620,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,006,000 | 13,632,000 | 11,240,000 | 11,486,000 |
| Total capital | 22,726,000 | 16,114,000 | 13,734,000 | 13,658,000 |
| Risk-weighted assets | 213,994,000 | 200,331,000 | 192,397,000 | 169,080,000 |
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