Call reports 2010
MONITOR BANK, THE — 2010
What MONITOR BANK, THE reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 34,016,000 | 35,220,000 | 35,539,000 | 35,614,000 |
| Total loans | 21,225,000 | 21,106,000 | 20,901,000 | 21,147,000 |
| Allowance for loan losses | 232,000 | 239,000 | 253,000 | 226,000 |
| 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 | 29,240,000 | 30,427,000 | 30,726,000 | 30,804,000 |
| Interest-bearing deposits | 23,320,000 | 25,241,000 | 25,382,000 | 24,905,000 |
| Noninterest-bearing deposits | 5,920,000 | 5,186,000 | 5,344,000 | 5,899,000 |
| Equity capital | 4,753,000 | 4,771,000 | 4,784,000 | 4,786,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 316,000 | 647,000 | 985,000 | 1,311,000 |
| Interest expense | 81,000 | 169,000 | 254,000 | 341,000 |
| Net interest income | 235,000 | 478,000 | 731,000 | 970,000 |
| Noninterest income | 22,000 | 40,000 | 57,000 | 77,000 |
| Noninterest expense | 238,000 | 458,000 | 696,000 | 925,000 |
| Provision for loan losses | 3,000 | 12,000 | 27,000 | 40,000 |
| Pretax income | 16,000 | 48,000 | 65,000 | 82,000 |
| Income tax | 3,000 | 7,000 | 12,000 | 16,000 |
| Net income | 13,000 | 41,000 | 53,000 | 66,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,753,000 | 4,771,000 | 4,784,000 | 4,786,000 |
| Total capital | 4,985,000 | 5,010,000 | 5,037,000 | 5,012,000 |
| Risk-weighted assets | 21,409,000 | 21,663,000 | 21,348,000 | 21,546,000 |