Call reports 2005
BANK OF OLD MONROE, THE — 2005
What BANK OF OLD MONROE, THE reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 151,254,000 | 160,935,000 | 156,913,000 | 158,333,000 |
| Total loans | 79,053,000 | 84,169,000 | 88,487,000 | 90,692,000 |
| Allowance for loan losses | 1,245,000 | 1,305,000 | 1,328,000 | 1,296,000 |
| Securities available for sale | 40,667,000 | 40,580,000 | 39,166,000 | 37,525,000 |
| Securities held to maturity | 14,184,000 | 13,978,000 | 13,967,000 | 13,942,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 127,329,000 | 121,365,000 | 119,955,000 | 128,357,000 |
| Interest-bearing deposits | 105,349,000 | 99,378,000 | 98,789,000 | 105,364,000 |
| Noninterest-bearing deposits | 21,980,000 | 21,987,000 | 21,166,000 | 22,993,000 |
| Equity capital | 16,369,000 | 17,708,000 | 17,897,000 | 18,197,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,770,000 | 3,620,000 | 5,676,000 | 7,751,000 |
| Interest expense | 524,000 | 1,108,000 | 1,822,000 | 2,613,000 |
| Net interest income | 1,246,000 | 2,512,000 | 3,854,000 | 5,138,000 |
| Noninterest income | 275,000 | 1,464,000 | 1,748,000 | 2,048,000 |
| Noninterest expense | 782,000 | 1,594,000 | 2,486,000 | 3,376,000 |
| Provision for loan losses | 45,000 | 80,000 | 100,000 | 140,000 |
| Pretax income | 694,000 | 2,302,000 | 3,016,000 | 3,670,000 |
| Income tax | 195,000 | 724,000 | 913,000 | 1,119,000 |
| Net income | 499,000 | 1,578,000 | 2,103,000 | 2,551,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,688,000 | 17,765,000 | 18,116,000 | 18,564,000 |
| Total capital | 17,872,000 | 19,011,000 | 19,406,000 | 19,860,000 |
| Risk-weighted assets | 94,869,000 | 99,591,000 | 103,038,000 | 106,014,000 |