Call reports 2008
MONROE STATE BANK — 2008
What MONROE STATE BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 20,433,000 | 20,422,000 | 19,409,000 | 19,629,000 |
| Total loans | 13,445,000 | 13,297,000 | 13,755,000 | 13,534,000 |
| Allowance for loan losses | 151,000 | 156,000 | 159,000 | 162,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 2,293,000 | 1,927,000 | 1,917,000 | 1,940,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 16,953,000 | 16,866,000 | 15,909,000 | 16,150,000 |
| Interest-bearing deposits | 14,479,000 | 14,070,000 | 13,574,000 | 13,573,000 |
| Noninterest-bearing deposits | 2,473,000 | 2,796,000 | 2,335,000 | 2,577,000 |
| Equity capital | 3,374,000 | 3,474,000 | 3,419,000 | 3,371,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 309,000 | 610,000 | 903,000 | 1,208,000 |
| Interest expense | 86,000 | 156,000 | 213,000 | 263,000 |
| Net interest income | 223,000 | 454,000 | 690,000 | 945,000 |
| Noninterest income | 32,000 | 52,000 | 82,000 | 95,000 |
| Noninterest expense | 169,000 | 305,000 | 468,000 | 735,000 |
| Provision for loan losses | 2,000 | 7,000 | 12,000 | 16,000 |
| Pretax income | 84,000 | 194,000 | 292,000 | 289,000 |
| Income tax | 0 | 10,000 | 50,000 | 95,000 |
| Net income | 84,000 | 184,000 | 242,000 | 194,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,374,000 | 3,474,000 | 3,419,000 | 3,371,000 |
| Total capital | 3,525,000 | 3,630,000 | 3,578,000 | 3,533,000 |
| Risk-weighted assets | 17,398,000 | 17,705,000 | 16,816,000 | 16,526,000 |