Call reports 2011
MONARCH COMMUNITY BANK — 2011
What MONARCH COMMUNITY BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 255,119,000 | 242,346,000 | 223,455,000 | 207,740,000 |
| Total loans | 183,540,000 | 177,037,000 | 162,848,000 | 155,718,000 |
| Allowance for loan losses | 6,511,000 | 5,917,000 | 5,158,000 | 4,656,000 |
| Securities available for sale | 10,561,000 | 10,326,000 | 6,328,000 | 12,453,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 210,833,000 | 197,870,000 | 187,046,000 | 174,311,000 |
| Interest-bearing deposits | 185,274,000 | 177,992,000 | 165,776,000 | 154,502,000 |
| Noninterest-bearing deposits | 25,559,000 | 19,878,000 | 21,270,000 | 19,809,000 |
| Equity capital | 12,383,000 | 12,541,000 | 12,485,000 | 11,798,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 2,864,000 | 5,661,000 | 8,258,000 | 10,688,000 |
| Interest expense | 1,031,000 | 2,009,000 | 2,889,000 | 3,639,000 |
| Net interest income | 1,833,000 | 3,652,000 | 5,369,000 | 7,049,000 |
| Noninterest income | 866,000 | 1,389,000 | 1,926,000 | 2,654,000 |
| Noninterest expense | 2,191,000 | 4,425,000 | 6,878,000 | 9,452,000 |
| Provision for loan losses | 260,000 | 263,000 | 304,000 | 733,000 |
| Pretax income | 248,000 | 353,000 | 582,000 | -13,000 |
| Income tax | 14,000 | 26,000 | 37,000 | 150,000 |
| Net income | 234,000 | 327,000 | 545,000 | -163,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,759,000 | 11,889,000 | 12,146,000 | 11,479,000 |
| Total capital | 13,860,000 | 13,891,000 | 14,012,000 | 13,259,000 |
| Risk-weighted assets | 163,746,000 | 156,244,000 | 145,529,000 | 139,516,000 |
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