Call reports 2004
MONROE STATE BANK — 2004
What MONROE STATE BANK 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 | 21,016,000 | 20,771,000 | 20,909,000 | 21,054,000 |
| Total loans | 10,109,000 | 10,422,000 | 10,692,000 | 10,542,000 |
| Allowance for loan losses | 138,000 | 138,000 | 139,000 | 137,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 7,687,000 | 7,119,000 | 7,318,000 | 7,369,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 17,288,000 | 16,972,000 | 17,144,000 | 17,289,000 |
| Interest-bearing deposits | 14,630,000 | 14,769,000 | 14,774,000 | 14,960,000 |
| Noninterest-bearing deposits | 2,658,000 | 2,203,000 | 2,369,000 | 2,330,000 |
| Equity capital | 3,638,000 | 3,734,000 | 3,699,000 | 3,700,000 |
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 | 248,000 | 500,000 | 759,000 | 1,023,000 |
| Interest expense | 45,000 | 88,000 | 132,000 | 175,000 |
| Net interest income | 203,000 | 412,000 | 627,000 | 848,000 |
| Noninterest income | 25,000 | 56,000 | 85,000 | 112,000 |
| Noninterest expense | 129,000 | 248,000 | 389,000 | 617,000 |
| Provision for loan losses | 0 | 0 | 1,000 | 3,000 |
| Pretax income | 99,000 | 220,000 | 322,000 | 340,000 |
| Income tax | 24,000 | 48,000 | 72,000 | 89,000 |
| Net income | 75,000 | 172,000 | 250,000 | 251,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,638,000 | 3,734,000 | 3,699,000 | 3,700,000 |
| Total capital | 3,776,000 | 3,872,000 | 3,838,000 | 3,837,000 |
| Risk-weighted assets | 12,685,000 | 12,545,000 | 12,773,000 | 12,564,000 |