Call reports 2012
MONARCH COMMUNITY BANK — 2012
What MONARCH COMMUNITY BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 215,069,000 | 208,890,000 | 194,305,000 | 190,192,000 |
| Total loans | 151,210,000 | 146,922,000 | 144,064,000 | 133,513,000 |
| Allowance for loan losses | 4,061,000 | 3,766,000 | 3,565,000 | 3,035,000 |
| Securities available for sale | 13,147,000 | 12,901,000 | 12,270,000 | 9,966,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 184,803,000 | 183,709,000 | 174,577,000 | 169,592,000 |
| Interest-bearing deposits | 133,715,000 | 158,601,000 | 155,845,000 | 151,849,000 |
| Noninterest-bearing deposits | 51,088,000 | 25,108,000 | 18,732,000 | 17,743,000 |
| Equity capital | 11,413,000 | 11,311,000 | 10,884,000 | 11,766,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 2,339,000 | 4,576,000 | 6,714,000 | 8,777,000 |
| Interest expense | 633,000 | 1,198,000 | 1,692,000 | 2,107,000 |
| Net interest income | 1,706,000 | 3,378,000 | 5,022,000 | 6,670,000 |
| Noninterest income | 517,000 | 1,419,000 | 2,178,000 | 3,272,000 |
| Noninterest expense | 2,549,000 | 5,238,000 | 8,086,000 | 11,095,000 |
| Provision for loan losses | 28,000 | 53,000 | 57,000 | -1,042,000 |
| Pretax income | -354,000 | -494,000 | -934,000 | -99,000 |
| Income tax | 12,000 | 24,000 | 36,000 | -21,000 |
| Net income | -366,000 | -518,000 | -970,000 | -78,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,147,000 | 11,027,000 | 10,610,000 | 11,540,000 |
| Total capital | 12,885,000 | 12,710,000 | 12,264,000 | 13,114,000 |
| Risk-weighted assets | 136,649,000 | 132,606,000 | 130,436,000 | 124,959,000 |
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