Call reports 2002
MONROE COUNTY BANK, THE — 2002
What MONROE COUNTY BANK, THE reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 119,481,000 | 119,589,000 | 122,780,000 | 133,458,000 |
| Total loans | 50,389,000 | 48,737,000 | 45,883,000 | 44,197,000 |
| Allowance for loan losses | 682,000 | 695,000 | 671,000 | 684,000 |
| Securities available for sale | 55,702,000 | 59,668,000 | 68,098,000 | 75,070,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 100,509,000 | 100,483,000 | 99,459,000 | 112,366,000 |
| Interest-bearing deposits | 85,750,000 | 84,412,000 | 84,043,000 | 96,588,000 |
| Noninterest-bearing deposits | 14,759,000 | 16,071,000 | 15,416,000 | 15,778,000 |
| Equity capital | 17,904,000 | 17,903,000 | 18,723,000 | 18,708,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 1,548,000 | 3,057,000 | 4,544,000 | 6,038,000 |
| Interest expense | 516,000 | 1,014,000 | 1,502,000 | 1,989,000 |
| Net interest income | 1,032,000 | 2,043,000 | 3,042,000 | 4,049,000 |
| Noninterest income | 153,000 | 291,000 | 448,000 | 630,000 |
| Noninterest expense | 588,000 | 1,174,000 | 1,784,000 | 2,411,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 598,000 | 1,303,000 | 2,097,000 | 2,659,000 |
| Income tax | 154,000 | 347,000 | 571,000 | 705,000 |
| Net income | 444,000 | 956,000 | 1,526,000 | 1,954,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,724,000 | 13,111,000 | 13,406,000 | 13,534,000 |
| Total capital | 14,406,000 | 13,806,000 | 14,077,000 | 14,218,000 |
| Risk-weighted assets | 83,405,000 | 81,436,000 | 78,492,000 | 79,215,000 |