Call reports 2013
MONARCH COMMUNITY BANK — 2013
What MONARCH COMMUNITY BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 196,588,000 | 185,739,000 | 167,943,000 | 169,128,000 |
| Total loans | 126,935,000 | 124,094,000 | 119,369,000 | 122,138,000 |
| Allowance for loan losses | 2,645,000 | 2,744,000 | 2,994,000 | 2,672,000 |
| Securities available for sale | 10,031,000 | 10,855,000 | 10,374,000 | 18,947,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 176,493,000 | 166,576,000 | 156,449,000 | 149,691,000 |
| Interest-bearing deposits | 151,055,000 | 146,642,000 | 136,973,000 | 130,950,000 |
| Noninterest-bearing deposits | 25,438,000 | 19,934,000 | 19,476,000 | 18,741,000 |
| Equity capital | 11,481,000 | 10,591,000 | 9,950,000 | 18,142,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,983,000 | 3,849,000 | 5,712,000 | 7,498,000 |
| Interest expense | 374,000 | 706,000 | 990,000 | 1,166,000 |
| Net interest income | 1,609,000 | 3,143,000 | 4,722,000 | 6,332,000 |
| Noninterest income | 1,007,000 | 2,102,000 | 2,918,000 | 3,536,000 |
| Noninterest expense | 2,892,000 | 5,851,000 | 8,780,000 | 11,388,000 |
| Provision for loan losses | 0 | 386,000 | 437,000 | 437,000 |
| Pretax income | -276,000 | -992,000 | -1,577,000 | -1,959,000 |
| Income tax | 9,000 | 57,000 | 67,000 | -13,000 |
| Net income | -285,000 | -1,049,000 | -1,644,000 | -1,946,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,290,000 | 10,559,000 | 9,975,000 | 18,216,000 |
| Total capital | 12,759,000 | 12,009,000 | 11,312,000 | 19,674,000 |
| Risk-weighted assets | 116,319,000 | 114,722,000 | 105,275,000 | 115,777,000 |
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