Call reports 2013
MONITOR BANK, THE — 2013
What MONITOR BANK, THE reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 40,447,000 | 44,730,000 | 43,988,000 | 42,618,000 |
| Total loans | 22,336,000 | 22,190,000 | 21,373,000 | 21,570,000 |
| Allowance for loan losses | 276,000 | 269,000 | 236,000 | 235,000 |
| Securities available for sale | 2,000 | 2,000 | 2,000 | 2,000 |
| Securities held to maturity | 3,069,000 | 3,070,000 | 3,070,000 | 3,070,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 35,386,000 | 39,634,000 | 38,881,000 | 37,465,000 |
| Interest-bearing deposits | 26,583,000 | 30,139,000 | 28,550,000 | 27,873,000 |
| Noninterest-bearing deposits | 8,803,000 | 9,495,000 | 10,331,000 | 9,592,000 |
| Equity capital | 5,007,000 | 5,036,000 | 5,055,000 | 5,092,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 331,000 | 667,000 | 997,000 | 1,320,000 |
| Interest expense | 51,000 | 107,000 | 162,000 | 217,000 |
| Net interest income | 280,000 | 560,000 | 835,000 | 1,103,000 |
| Noninterest income | 19,000 | 34,000 | 49,000 | 64,000 |
| Noninterest expense | 244,000 | 491,000 | 731,000 | 959,000 |
| Provision for loan losses | 10,000 | 23,000 | 30,000 | 35,000 |
| Pretax income | 45,000 | 80,000 | 123,000 | 173,000 |
| Income tax | 18,000 | 23,000 | 37,000 | 51,000 |
| Net income | 27,000 | 57,000 | 86,000 | 122,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,007,000 | 5,036,000 | 5,055,000 | 5,092,000 |
| Total capital | 5,283,000 | 5,305,000 | 5,291,000 | 5,327,000 |
| Risk-weighted assets | 23,684,000 | 24,539,000 | 23,631,000 | 23,522,000 |
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