Call reports 2004
MONITOR BANK, THE — 2004
What MONITOR BANK, THE reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 23,796,000 | 26,069,000 | 25,802,000 | 27,359,000 |
| Total loans | 15,365,000 | 14,618,000 | 14,709,000 | 14,739,000 |
| Allowance for loan losses | 194,000 | 196,000 | 194,000 | 194,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 654,000 | 654,000 | 728,000 | 977,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 20,433,000 | 22,674,000 | 22,339,000 | 23,854,000 |
| Interest-bearing deposits | 16,900,000 | 18,802,000 | 18,944,000 | 19,992,000 |
| Noninterest-bearing deposits | 3,533,000 | 3,872,000 | 3,395,000 | 3,862,000 |
| Equity capital | 3,341,000 | 3,376,000 | 3,436,000 | 3,490,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 282,000 | 559,000 | 863,000 | 1,185,000 |
| Interest expense | 85,000 | 168,000 | 253,000 | 339,000 |
| Net interest income | 197,000 | 391,000 | 610,000 | 846,000 |
| Noninterest income | 27,000 | 57,000 | 94,000 | 129,000 |
| Noninterest expense | 168,000 | 327,000 | 489,000 | 655,000 |
| Provision for loan losses | 1,000 | 6,000 | 10,000 | 16,000 |
| Pretax income | 55,000 | 115,000 | 205,000 | 304,000 |
| Income tax | 17,000 | 37,000 | 68,000 | 103,000 |
| Net income | 38,000 | 78,000 | 137,000 | 201,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,341,000 | 3,376,000 | 3,436,000 | 3,490,000 |
| Total capital | 3,535,000 | 3,572,000 | 3,630,000 | 3,684,000 |
| Risk-weighted assets | 16,212,000 | 15,973,000 | 15,981,000 | 16,079,000 |