Call reports 2005
MONITOR BANK, THE — 2005
What MONITOR BANK, THE reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 25,165,000 | 25,777,000 | 25,171,000 | 25,674,000 |
| Total loans | 14,248,000 | 16,036,000 | 15,411,000 | 14,296,000 |
| Allowance for loan losses | 195,000 | 195,000 | 189,000 | 193,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 1,476,000 | 1,725,000 | 1,724,000 | 1,723,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 21,584,000 | 22,121,000 | 21,341,000 | 21,708,000 |
| Interest-bearing deposits | 17,169,000 | 18,535,000 | 17,470,000 | 17,862,000 |
| Noninterest-bearing deposits | 4,416,000 | 3,586,000 | 3,871,000 | 3,845,000 |
| Equity capital | 3,565,000 | 3,631,000 | 3,743,000 | 3,837,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 348,000 | 712,000 | 1,109,000 | 1,523,000 |
| Interest expense | 85,000 | 172,000 | 262,000 | 357,000 |
| Net interest income | 263,000 | 540,000 | 847,000 | 1,166,000 |
| Noninterest income | 27,000 | 60,000 | 91,000 | 113,000 |
| Noninterest expense | 172,000 | 371,000 | 534,000 | 706,000 |
| Provision for loan losses | 1,000 | 1,000 | 1,000 | 1,000 |
| Pretax income | 117,000 | 228,000 | 403,000 | 572,000 |
| Income tax | 42,000 | 81,000 | 145,000 | 207,000 |
| Net income | 75,000 | 147,000 | 258,000 | 365,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,565,000 | 3,631,000 | 3,743,000 | 3,837,000 |
| Total capital | 3,758,000 | 3,826,000 | 3,932,000 | 4,030,000 |
| Risk-weighted assets | 15,420,000 | 16,979,000 | 16,556,000 | 15,701,000 |