Call reports 2009
MONITOR BANK, THE — 2009
What MONITOR BANK, THE reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 31,308,000 | 31,335,000 | 31,920,000 | 31,484,000 |
| Total loans | 20,550,000 | 20,477,000 | 20,497,000 | 20,968,000 |
| Allowance for loan losses | 216,000 | 212,000 | 227,000 | 231,000 |
| Securities available for sale | 2,000 | 2,000 | 2,000 | 2,000 |
| Securities held to maturity | 1,299,000 | 1,299,000 | 1,299,000 | 1,299,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 26,538,000 | 26,557,000 | 27,138,000 | 26,710,000 |
| Interest-bearing deposits | 20,603,000 | 21,534,000 | 21,959,000 | 22,049,000 |
| Noninterest-bearing deposits | 5,935,000 | 5,023,000 | 5,179,000 | 4,661,000 |
| Equity capital | 4,744,000 | 4,740,000 | 4,754,000 | 4,755,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 336,000 | 670,000 | 993,000 | 1,321,000 |
| Interest expense | 101,000 | 201,000 | 301,000 | 395,000 |
| Net interest income | 235,000 | 469,000 | 692,000 | 926,000 |
| Noninterest income | 21,000 | 40,000 | 60,000 | 79,000 |
| Noninterest expense | 221,000 | 460,000 | 687,000 | 920,000 |
| Provision for loan losses | 0 | 8,000 | 11,000 | 15,000 |
| Pretax income | 35,000 | 41,000 | 54,000 | 70,000 |
| Income tax | 14,000 | 14,000 | 14,000 | 15,000 |
| Net income | 21,000 | 27,000 | 40,000 | 55,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,744,000 | 4,740,000 | 4,754,000 | 4,755,000 |
| Total capital | 4,960,000 | 4,952,000 | 4,981,000 | 4,986,000 |
| Risk-weighted assets | 20,264,000 | 20,362,000 | 20,571,000 | 20,667,000 |