Call reports 2012
MONITOR BANK, THE — 2012
What MONITOR BANK, THE reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 38,462,000 | 38,179,000 | 38,182,000 | 39,815,000 |
| Total loans | 20,939,000 | 21,607,000 | 22,497,000 | 22,400,000 |
| Allowance for loan losses | 240,000 | 259,000 | 274,000 | 295,000 |
| Securities available for sale | 2,000 | 2,000 | 2,000 | 2,000 |
| Securities held to maturity | 3,070,000 | 3,070,000 | 3,069,000 | 3,070,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 33,560,000 | 33,233,000 | 33,196,000 | 34,795,000 |
| Interest-bearing deposits | 25,597,000 | 25,315,000 | 24,340,000 | 25,871,000 |
| Noninterest-bearing deposits | 7,963,000 | 7,918,000 | 8,856,000 | 8,924,000 |
| Equity capital | 4,886,000 | 4,918,000 | 4,950,000 | 4,979,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 312,000 | 637,000 | 973,000 | 1,304,000 |
| Interest expense | 59,000 | 116,000 | 166,000 | 219,000 |
| Net interest income | 253,000 | 521,000 | 807,000 | 1,085,000 |
| Noninterest income | 18,000 | 34,000 | 53,000 | 68,000 |
| Noninterest expense | 235,000 | 460,000 | 702,000 | 929,000 |
| Provision for loan losses | 11,000 | 15,000 | 32,000 | 52,000 |
| Pretax income | 25,000 | 80,000 | 126,000 | 172,000 |
| Income tax | 10,000 | 23,000 | 37,000 | 53,000 |
| Net income | 15,000 | 57,000 | 89,000 | 119,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,886,000 | 4,918,000 | 4,950,000 | 4,979,000 |
| Total capital | 5,126,000 | 5,177,000 | 5,224,000 | 5,274,000 |
| Risk-weighted assets | 21,892,000 | 22,667,000 | 23,306,000 | 23,627,000 |