Call reports 2004
BANK OF MONROE, THE — 2004
What BANK OF 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 | 93,685,000 | 93,894,000 | 95,574,000 | 98,425,000 |
| Total loans | 42,440,000 | 45,400,000 | 48,046,000 | 48,688,000 |
| Allowance for loan losses | 452,000 | 467,000 | 489,000 | 487,000 |
| Securities available for sale | 40,767,000 | 42,043,000 | 41,370,000 | 41,542,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 83,397,000 | 84,350,000 | 85,487,000 | 88,380,000 |
| Interest-bearing deposits | 69,109,000 | 70,419,000 | 70,325,000 | 71,112,000 |
| Noninterest-bearing deposits | 14,288,000 | 13,931,000 | 15,162,000 | 17,268,000 |
| Equity capital | 9,781,000 | 9,409,000 | 9,875,000 | 9,864,000 |
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 | 1,073,000 | 2,187,000 | 3,331,000 | 4,498,000 |
| Interest expense | 298,000 | 589,000 | 883,000 | 1,200,000 |
| Net interest income | 775,000 | 1,598,000 | 2,448,000 | 3,298,000 |
| Noninterest income | 78,000 | 186,000 | 284,000 | 377,000 |
| Noninterest expense | 486,000 | 1,062,000 | 1,623,000 | 2,294,000 |
| Provision for loan losses | 25,000 | 45,000 | 70,000 | 70,000 |
| Pretax income | 342,000 | 677,000 | 1,039,000 | 1,311,000 |
| Income tax | 89,000 | 196,000 | 305,000 | 374,000 |
| Net income | 253,000 | 481,000 | 734,000 | 937,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,407,000 | 9,557,000 | 9,810,000 | 9,932,000 |
| Total capital | 9,859,000 | 10,024,000 | 10,299,000 | 10,419,000 |
| Risk-weighted assets | 46,153,000 | 48,405,000 | 49,337,000 | 49,471,000 |
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