Call reports 2002
MONROE STATE BANK — 2002
What MONROE STATE BANK 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 | 19,583,000 | 19,629,000 | 19,773,000 | 19,799,000 |
| Total loans | 9,885,000 | 9,861,000 | 10,218,000 | 10,131,000 |
| Allowance for loan losses | 138,000 | 138,000 | 127,000 | 138,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 7,199,000 | 7,782,000 | 7,088,000 | 7,124,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 16,201,000 | 16,140,000 | 16,249,000 | 16,276,000 |
| Interest-bearing deposits | 14,089,000 | 13,950,000 | 13,974,000 | 14,041,000 |
| Noninterest-bearing deposits | 2,112,000 | 2,190,000 | 2,275,000 | 2,235,000 |
| Equity capital | 3,300,000 | 3,423,000 | 3,462,000 | 3,451,000 |
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 | 299,000 | 613,000 | 926,000 | 1,231,000 |
| Interest expense | 91,000 | 172,000 | 250,000 | 318,000 |
| Net interest income | 208,000 | 441,000 | 676,000 | 913,000 |
| Noninterest income | 17,000 | 34,000 | 53,000 | 80,000 |
| Noninterest expense | 124,000 | 233,000 | 376,000 | 591,000 |
| Provision for loan losses | 0 | 0 | 0 | 11,000 |
| Pretax income | 101,000 | 242,000 | 353,000 | 391,000 |
| Income tax | 15,000 | 32,000 | 48,000 | 97,000 |
| Net income | 86,000 | 210,000 | 305,000 | 294,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,300,000 | 3,423,000 | 3,462,000 | 3,451,000 |
| Total capital | 3,438,000 | 3,561,000 | 3,589,000 | 3,589,000 |
| Risk-weighted assets | 11,899,000 | 12,158,000 | 12,621,000 | 12,609,000 |