Call reports 2003
MONITOR BANK, THE — 2003
What MONITOR BANK, THE reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 22,898,000 | 23,420,000 | 23,803,000 | 23,961,000 |
| Total loans | 14,383,000 | 15,259,000 | 15,080,000 | 15,402,000 |
| Allowance for loan losses | 117,000 | 208,000 | 207,000 | 195,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 554,000 | 554,000 | 554,000 | 554,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 19,666,000 | 20,213,000 | 20,513,000 | 20,642,000 |
| Interest-bearing deposits | 17,035,000 | 17,614,000 | 17,302,000 | 17,462,000 |
| Noninterest-bearing deposits | 2,631,000 | 2,599,000 | 3,211,000 | 3,180,000 |
| Equity capital | 3,209,000 | 3,177,000 | 3,267,000 | 3,305,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 286,000 | 584,000 | 887,000 | 1,174,000 |
| Interest expense | 101,000 | 190,000 | 274,000 | 355,000 |
| Net interest income | 185,000 | 394,000 | 613,000 | 819,000 |
| Noninterest income | 26,000 | 58,000 | 93,000 | 132,000 |
| Noninterest expense | 159,000 | 306,000 | 455,000 | 618,000 |
| Provision for loan losses | 14,000 | 123,000 | 123,000 | 139,000 |
| Pretax income | 38,000 | 23,000 | 128,000 | 194,000 |
| Income tax | 11,000 | 22,000 | 38,000 | 60,000 |
| Net income | 27,000 | 1,000 | 90,000 | 134,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,209,000 | 3,177,000 | 3,267,000 | 3,305,000 |
| Total capital | 3,326,000 | 3,374,000 | 3,464,000 | 3,500,000 |
| Risk-weighted assets | 15,131,000 | 15,780,000 | 15,747,000 | 16,025,000 |