Call reports 2005
MONROE STATE BANK — 2005
What MONROE STATE BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 20,998,000 | 20,423,000 | 19,754,000 | 20,025,000 |
| Total loans | 10,414,000 | 10,838,000 | 10,429,000 | 10,428,000 |
| Allowance for loan losses | 141,000 | 140,000 | 142,000 | 141,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 7,419,000 | 7,552,000 | 7,502,000 | 7,915,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 17,249,000 | 16,712,000 | 16,064,000 | 16,490,000 |
| Interest-bearing deposits | 14,992,000 | 14,480,000 | 13,915,000 | 14,097,000 |
| Noninterest-bearing deposits | 2,257,000 | 2,232,000 | 2,149,000 | 2,393,000 |
| Equity capital | 3,666,000 | 3,650,000 | 3,629,000 | 3,469,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 256,000 | 520,000 | 798,000 | 1,077,000 |
| Interest expense | 43,000 | 90,000 | 137,000 | 190,000 |
| Net interest income | 213,000 | 430,000 | 661,000 | 887,000 |
| Noninterest income | 24,000 | 52,000 | 83,000 | 114,000 |
| Noninterest expense | 133,000 | 256,000 | 400,000 | 676,000 |
| Provision for loan losses | 2,000 | 3,000 | 5,000 | 6,000 |
| Pretax income | 102,000 | 223,000 | 339,000 | 319,000 |
| Income tax | 24,000 | 48,000 | 73,000 | 100,000 |
| Net income | 78,000 | 175,000 | 266,000 | 219,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,666,000 | 3,650,000 | 3,629,000 | 3,469,000 |
| Total capital | 3,807,000 | 3,790,000 | 3,771,000 | 3,610,000 |
| Risk-weighted assets | 12,634,000 | 12,816,000 | 12,313,000 | 12,456,000 |