Call reports 2011
MONITOR BANK, THE — 2011
What MONITOR BANK, THE reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 37,543,000 | 36,860,000 | 37,407,000 | 36,528,000 |
| Total loans | 21,114,000 | 21,179,000 | 20,979,000 | 21,104,000 |
| Allowance for loan losses | 240,000 | 259,000 | 267,000 | 275,000 |
| Securities available for sale | 2,000 | 2,000 | 2,000 | 2,000 |
| Securities held to maturity | 3,054,000 | 3,055,000 | 3,069,000 | 3,070,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 32,708,000 | 31,991,000 | 32,540,000 | 31,622,000 |
| Interest-bearing deposits | 26,546,000 | 25,796,000 | 25,371,000 | 24,287,000 |
| Noninterest-bearing deposits | 6,162,000 | 6,195,000 | 7,169,000 | 7,335,000 |
| Equity capital | 4,819,000 | 4,843,000 | 4,835,000 | 4,871,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 322,000 | 661,000 | 965,000 | 1,296,000 |
| Interest expense | 76,000 | 149,000 | 222,000 | 289,000 |
| Net interest income | 246,000 | 512,000 | 743,000 | 1,007,000 |
| Noninterest income | 32,000 | 53,000 | 85,000 | 102,000 |
| Noninterest expense | 219,000 | 439,000 | 690,000 | 912,000 |
| Provision for loan losses | 15,000 | 34,000 | 46,000 | 53,000 |
| Pretax income | 44,000 | 92,000 | 92,000 | 144,000 |
| Income tax | 11,000 | 26,000 | 34,000 | 40,000 |
| Net income | 33,000 | 66,000 | 58,000 | 104,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,819,000 | 4,843,000 | 4,835,000 | 4,871,000 |
| Total capital | 5,059,000 | 5,102,000 | 5,102,000 | 5,141,000 |
| Risk-weighted assets | 21,548,000 | 21,521,000 | 21,465,000 | 21,602,000 |