Call reports 2002
MONITOR BANK, THE — 2002
What MONITOR BANK, THE reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 21,876,000 | 22,122,000 | 23,051,000 | 23,878,000 |
| Total loans | 14,240,000 | 14,918,000 | 15,270,000 | 14,855,000 |
| Allowance for loan losses | 142,000 | 48,000 | 59,000 | 97,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 305,000 | 305,000 | 305,000 | 554,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 18,767,000 | 18,979,000 | 19,872,000 | 20,671,000 |
| Interest-bearing deposits | 16,170,000 | 16,407,000 | 16,768,000 | 18,046,000 |
| Noninterest-bearing deposits | 2,597,000 | 2,572,000 | 3,104,000 | 2,625,000 |
| Equity capital | 3,078,000 | 3,109,000 | 3,155,000 | 3,181,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 304,000 | 625,000 | 949,000 | 1,268,000 |
| Interest expense | 120,000 | 239,000 | 355,000 | 473,000 |
| Net interest income | 184,000 | 386,000 | 594,000 | 795,000 |
| Noninterest income | 29,000 | 60,000 | 94,000 | 117,000 |
| Noninterest expense | 175,000 | 350,000 | 485,000 | 653,000 |
| Provision for loan losses | 13,000 | 27,000 | 50,000 | 62,000 |
| Pretax income | 25,000 | 69,000 | 153,000 | 197,000 |
| Income tax | 6,000 | 11,000 | 48,000 | 61,000 |
| Net income | 19,000 | 58,000 | 105,000 | 136,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,078,000 | 3,109,000 | 3,155,000 | 3,181,000 |
| Total capital | 3,220,000 | 3,157,000 | 3,214,000 | 3,278,000 |
| Risk-weighted assets | 14,963,000 | 15,206,000 | 15,875,000 | 15,615,000 |
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