Call reports 2016
MONITOR BANK, THE — 2016
What MONITOR BANK, THE reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 42,025,000 | 41,756,000 | 41,894,000 | 43,229,000 |
| Total loans | 21,473,000 | 22,821,000 | 23,452,000 | 22,532,000 |
| Allowance for loan losses | 218,000 | 232,000 | 234,000 | 236,000 |
| Securities available for sale | 2,000 | 2,000 | 2,000 | 2,000 |
| Securities held to maturity | 3,067,000 | 3,070,000 | 3,067,000 | 3,070,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 36,370,000 | 35,983,000 | 36,100,000 | 37,390,000 |
| Interest-bearing deposits | 25,554,000 | 25,897,000 | 25,658,000 | 25,305,000 |
| Noninterest-bearing deposits | 10,816,000 | 10,086,000 | 10,442,000 | 12,085,000 |
| Equity capital | 5,590,000 | 5,670,000 | 5,736,000 | 5,806,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 339,000 | 686,000 | 1,035,000 | 1,375,000 |
| Interest expense | 23,000 | 45,000 | 68,000 | 91,000 |
| Net interest income | 316,000 | 641,000 | 967,000 | 1,284,000 |
| Noninterest income | 14,000 | 46,000 | 56,000 | 81,000 |
| Noninterest expense | 226,000 | 447,000 | 682,000 | 913,000 |
| Provision for loan losses | 6,000 | 20,000 | 21,000 | 26,000 |
| Pretax income | 98,000 | 220,000 | 320,000 | 426,000 |
| Income tax | 33,000 | 75,000 | 109,000 | 145,000 |
| Net income | 65,000 | 145,000 | 211,000 | 281,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,590,000 | 5,670,000 | 5,736,000 | 5,806,000 |
| Total capital | 5,808,000 | 5,902,000 | 5,970,000 | 6,042,000 |
| Risk-weighted assets | 24,722,000 | 25,688,000 | 26,572,000 | 26,332,000 |