Call reports 2009
MONROE STATE BANK — 2009
What MONROE STATE BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 20,045,000 | 20,331,000 | 20,141,000 | 20,782,000 |
| Total loans | 14,135,000 | 14,250,000 | 14,250,000 | 14,172,000 |
| Allowance for loan losses | 142,000 | 130,000 | 124,000 | 162,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 1,897,000 | 1,666,000 | 1,866,000 | 1,801,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 16,640,000 | 16,873,000 | 16,676,000 | 17,352,000 |
| Interest-bearing deposits | 14,225,000 | 14,302,000 | 14,136,000 | 14,413,000 |
| Noninterest-bearing deposits | 2,415,000 | 2,571,000 | 2,540,000 | 2,939,000 |
| Equity capital | 3,330,000 | 3,379,000 | 3,390,000 | 3,346,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 259,000 | 547,000 | 832,000 | 1,131,000 |
| Interest expense | 18,000 | 95,000 | 136,000 | 175,000 |
| Net interest income | 241,000 | 452,000 | 696,000 | 956,000 |
| Noninterest income | 17,000 | 44,000 | 64,000 | 85,000 |
| Noninterest expense | 182,000 | 328,000 | 517,000 | 771,000 |
| Provision for loan losses | 4,000 | 11,000 | 18,000 | 55,000 |
| Pretax income | 72,000 | 149,000 | 217,000 | 207,000 |
| Income tax | 0 | 28,000 | 29,000 | 64,000 |
| Net income | 72,000 | 121,000 | 188,000 | 143,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,330,000 | 3,379,000 | 3,390,000 | 3,346,000 |
| Total capital | 3,472,000 | 3,509,000 | 3,514,000 | 3,508,000 |
| Risk-weighted assets | 16,814,000 | 16,156,000 | 16,518,000 | 16,588,000 |