Call reports 2014
MONARCH COMMUNITY BANK — 2014
What MONARCH COMMUNITY BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 181,962,000 | 187,276,000 | 175,382,000 | 172,827,000 |
| Total loans | 125,463,000 | 132,890,000 | 135,867,000 | 130,652,000 |
| Allowance for loan losses | 2,677,000 | 2,510,000 | 2,388,000 | 2,135,000 |
| Securities available for sale | 19,290,000 | 18,895,000 | 10,968,000 | 10,721,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 158,279,000 | 155,422,000 | 144,523,000 | 142,315,000 |
| Interest-bearing deposits | 132,330,000 | 129,161,000 | 124,164,000 | 123,388,000 |
| Noninterest-bearing deposits | 25,949,000 | 26,261,000 | 20,359,000 | 18,927,000 |
| Equity capital | 18,331,000 | 18,476,000 | 18,540,000 | 18,404,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,911,000 | 3,818,000 | 5,731,000 | 7,567,000 |
| Interest expense | 154,000 | 296,000 | 436,000 | 565,000 |
| Net interest income | 1,757,000 | 3,522,000 | 5,295,000 | 7,002,000 |
| Noninterest income | 721,000 | 1,352,000 | 2,081,000 | 2,663,000 |
| Noninterest expense | 2,415,000 | 4,778,000 | 7,235,000 | 9,657,000 |
| Provision for loan losses | 0 | -91,000 | -91,000 | -90,000 |
| Pretax income | 63,000 | 187,000 | 255,000 | 121,000 |
| Income tax | 12,000 | 25,000 | 37,000 | 50,000 |
| Net income | 51,000 | 162,000 | 218,000 | 71,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,338,000 | 18,457,000 | 18,512,000 | 18,367,000 |
| Total capital | 19,859,000 | 20,059,000 | 20,119,000 | 19,939,000 |
| Risk-weighted assets | 120,454,000 | 127,259,000 | 127,757,000 | 125,205,000 |
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