Call reports 2007
MONROE STATE BANK — 2007
What MONROE STATE BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 19,653,000 | 19,157,000 | 19,402,000 | 20,078,000 |
| Total loans | 12,070,000 | 12,357,000 | 12,830,000 | 13,349,000 |
| Allowance for loan losses | 143,000 | 146,000 | 140,000 | 145,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 5,895,000 | 4,467,000 | 4,467,000 | 3,947,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 16,158,000 | 15,574,000 | 15,851,000 | 16,563,000 |
| Interest-bearing deposits | 13,841,000 | 13,079,000 | 13,313,000 | 14,016,000 |
| Noninterest-bearing deposits | 2,318,000 | 2,494,000 | 2,538,000 | 2,547,000 |
| Equity capital | 3,383,000 | 3,464,000 | 3,450,000 | 3,403,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 294,000 | 597,000 | 901,000 | 1,239,000 |
| Interest expense | 90,000 | 185,000 | 265,000 | 358,000 |
| Net interest income | 204,000 | 412,000 | 636,000 | 881,000 |
| Noninterest income | 26,000 | 54,000 | 74,000 | 100,000 |
| Noninterest expense | 127,000 | 279,000 | 430,000 | 699,000 |
| Provision for loan losses | 3,000 | 6,000 | 9,000 | 12,000 |
| Pretax income | 100,000 | 181,000 | 271,000 | 270,000 |
| Income tax | 18,000 | 18,000 | 27,000 | 73,000 |
| Net income | 82,000 | 163,000 | 244,000 | 197,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,383,000 | 3,464,000 | 3,450,000 | 3,403,000 |
| Total capital | 3,526,000 | 3,610,000 | 3,590,000 | 3,548,000 |
| Risk-weighted assets | 12,733,000 | 14,128,000 | 14,554,000 | 15,587,000 |