Call reports 2007
MONITOR BANK, THE — 2007
What MONITOR BANK, THE reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 27,174,000 | 25,695,000 | 26,970,000 | 26,447,000 |
| Total loans | 15,380,000 | 16,602,000 | 16,236,000 | 16,917,000 |
| Allowance for loan losses | 188,000 | 198,000 | 205,000 | 213,000 |
| Securities available for sale | 0 | 0 | 2,000 | 2,000 |
| Securities held to maturity | 2,214,000 | 1,698,000 | 1,715,000 | 1,710,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 22,761,000 | 21,222,000 | 22,375,000 | 21,806,000 |
| Interest-bearing deposits | 17,473,000 | 16,966,000 | 17,273,000 | 17,169,000 |
| Noninterest-bearing deposits | 5,288,000 | 4,256,000 | 5,102,000 | 4,637,000 |
| Equity capital | 4,329,000 | 4,435,000 | 4,555,000 | 4,603,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 499,000 | 992,000 | 1,513,000 | 1,991,000 |
| Interest expense | 115,000 | 240,000 | 376,000 | 510,000 |
| Net interest income | 384,000 | 752,000 | 1,137,000 | 1,481,000 |
| Noninterest income | 26,000 | 48,000 | 68,000 | 93,000 |
| Noninterest expense | 232,000 | 447,000 | 671,000 | 930,000 |
| Provision for loan losses | 15,000 | 25,000 | 38,000 | 45,000 |
| Pretax income | 163,000 | 333,000 | 502,000 | 605,000 |
| Income tax | 53,000 | 108,000 | 157,000 | 191,000 |
| Net income | 110,000 | 225,000 | 345,000 | 414,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,329,000 | 4,435,000 | 4,555,000 | 4,603,000 |
| Total capital | 4,517,000 | 4,633,000 | 4,760,000 | 4,816,000 |
| Risk-weighted assets | 16,733,000 | 17,107,000 | 17,074,000 | 17,339,000 |