Call reports 2015
MONITOR BANK, THE — 2015
What MONITOR BANK, THE reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 42,989,000 | 46,411,000 | 43,795,000 | 43,113,000 |
| Total loans | 21,725,000 | 22,076,000 | 22,126,000 | 21,808,000 |
| Allowance for loan losses | 186,000 | 187,000 | 202,000 | 210,000 |
| 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 | 37,572,000 | 40,934,000 | 38,234,000 | 37,521,000 |
| Interest-bearing deposits | 27,437,000 | 28,761,000 | 27,037,000 | 25,204,000 |
| Noninterest-bearing deposits | 10,135,000 | 12,173,000 | 11,197,000 | 12,317,000 |
| Equity capital | 5,344,000 | 5,393,000 | 5,465,000 | 5,525,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 320,000 | 648,000 | 1,000,000 | 1,326,000 |
| Interest expense | 29,000 | 60,000 | 92,000 | 120,000 |
| Net interest income | 291,000 | 588,000 | 908,000 | 1,206,000 |
| Noninterest income | 16,000 | 32,000 | 50,000 | 66,000 |
| Noninterest expense | 231,000 | 463,000 | 690,000 | 912,000 |
| Provision for loan losses | 8,000 | 15,000 | 15,000 | 15,000 |
| Pretax income | 68,000 | 142,000 | 253,000 | 345,000 |
| Income tax | 22,000 | 47,000 | 86,000 | 118,000 |
| Net income | 46,000 | 95,000 | 167,000 | 227,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,344,000 | 5,393,000 | 5,465,000 | 5,525,000 |
| Total capital | 5,530,000 | 5,580,000 | 5,667,000 | 5,735,000 |
| Risk-weighted assets | 23,654,000 | 24,815,000 | 25,099,000 | 25,066,000 |