Call reports 2003
MONROE STATE BANK — 2003
What MONROE STATE BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 19,786,000 | 20,108,000 | 20,567,000 | 21,304,000 |
| Total loans | 10,232,000 | 10,443,000 | 10,258,000 | 10,308,000 |
| Allowance for loan losses | 118,000 | 118,000 | 118,000 | 138,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 5,922,000 | 6,467,000 | 6,621,000 | 6,992,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 16,202,000 | 16,443,000 | 16,870,000 | 17,604,000 |
| Interest-bearing deposits | 14,149,000 | 14,400,000 | 14,754,000 | 15,227,000 |
| Noninterest-bearing deposits | 2,053,000 | 2,043,000 | 2,116,000 | 2,377,000 |
| Equity capital | 3,498,000 | 3,597,000 | 3,629,000 | 3,618,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 280,000 | 556,000 | 827,000 | 1,106,000 |
| Interest expense | 57,000 | 112,000 | 163,000 | 212,000 |
| Net interest income | 223,000 | 444,000 | 664,000 | 894,000 |
| Noninterest income | 19,000 | 43,000 | 72,000 | 102,000 |
| Noninterest expense | 121,000 | 246,000 | 384,000 | 610,000 |
| Provision for loan losses | 0 | 0 | 0 | 10,000 |
| Pretax income | 121,000 | 241,000 | 352,000 | 376,000 |
| Income tax | 18,000 | 39,000 | 61,000 | 96,000 |
| Net income | 103,000 | 202,000 | 291,000 | 280,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,498,000 | 3,597,000 | 3,629,000 | 3,618,000 |
| Total capital | 3,616,000 | 3,715,000 | 3,747,000 | 3,756,000 |
| Risk-weighted assets | 12,611,000 | 12,740,000 | 12,808,000 | 12,854,000 |