Call reports 2004
BANK OF OLD MONROE, THE — 2004
What BANK OF OLD MONROE, THE reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 144,246,000 | 146,892,000 | 150,337,000 | 150,735,000 |
| Total loans | 63,764,000 | 66,718,000 | 73,154,000 | 77,176,000 |
| Allowance for loan losses | 1,238,000 | 1,208,000 | 1,212,000 | 1,229,000 |
| Securities available for sale | 51,572,000 | 49,157,000 | 47,139,000 | 42,371,000 |
| Securities held to maturity | 4,799,000 | 4,721,000 | 9,139,000 | 13,540,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 123,237,000 | 123,945,000 | 127,751,000 | 126,523,000 |
| Interest-bearing deposits | 102,837,000 | 103,019,000 | 104,344,000 | 106,451,000 |
| Noninterest-bearing deposits | 20,400,000 | 20,926,000 | 23,407,000 | 20,072,000 |
| Equity capital | 15,641,000 | 15,336,000 | 15,917,000 | 16,297,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,574,000 | 3,141,000 | 4,784,000 | 6,529,000 |
| Interest expense | 462,000 | 919,000 | 1,401,000 | 1,918,000 |
| Net interest income | 1,112,000 | 2,222,000 | 3,383,000 | 4,611,000 |
| Noninterest income | 247,000 | 536,000 | 817,000 | 1,107,000 |
| Noninterest expense | 764,000 | 1,525,000 | 2,321,000 | 3,119,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 180,000 |
| Pretax income | 550,000 | 1,143,000 | 1,744,000 | 2,419,000 |
| Income tax | 159,000 | 327,000 | 505,000 | 685,000 |
| Net income | 391,000 | 816,000 | 1,239,000 | 1,734,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,009,000 | 15,430,000 | 15,693,000 | 16,188,000 |
| Total capital | 15,997,000 | 16,452,000 | 16,808,000 | 17,343,000 |
| Risk-weighted assets | 78,733,000 | 81,649,000 | 89,079,000 | 92,326,000 |