Call reports 2006
MONROE STATE BANK — 2006
What MONROE STATE BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 19,993,000 | 19,438,000 | 18,926,000 | 19,855,000 |
| Total loans | 11,071,000 | 11,292,000 | 11,619,000 | 11,867,000 |
| Allowance for loan losses | 142,000 | 145,000 | 137,000 | 140,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 7,565,000 | 6,510,000 | 6,392,000 | 6,245,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 16,491,000 | 15,864,000 | 15,377,000 | 16,340,000 |
| Interest-bearing deposits | 14,061,000 | 13,828,000 | 13,299,000 | 13,789,000 |
| Noninterest-bearing deposits | 2,431,000 | 2,036,000 | 2,079,000 | 2,552,000 |
| Equity capital | 3,431,000 | 3,488,000 | 3,451,000 | 3,414,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 271,000 | 553,000 | 835,000 | 1,131,000 |
| Interest expense | 59,000 | 125,000 | 199,000 | 284,000 |
| Net interest income | 212,000 | 428,000 | 636,000 | 847,000 |
| Noninterest income | 31,000 | 65,000 | 100,000 | 126,000 |
| Noninterest expense | 165,000 | 330,000 | 496,000 | 746,000 |
| Provision for loan losses | 3,000 | 6,000 | 9,000 | 12,000 |
| Pretax income | 75,000 | 157,000 | 231,000 | 215,000 |
| Income tax | 0 | 25,000 | 24,000 | 44,000 |
| Net income | 75,000 | 132,000 | 207,000 | 171,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,431,000 | 3,488,000 | 3,451,000 | 3,414,000 |
| Total capital | 3,573,000 | 3,633,000 | 3,588,000 | 3,554,000 |
| Risk-weighted assets | 12,927,000 | 12,698,000 | 12,299,000 | 12,868,000 |