Call reports 2010
MONROE STATE BANK — 2010
What MONROE STATE BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 21,662,000 | 21,524,000 | 22,410,000 | 22,442,000 |
| Total loans | 14,200,000 | 13,491,000 | 13,272,000 | 12,914,000 |
| Allowance for loan losses | 163,000 | 168,000 | 169,000 | 170,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 1,400,000 | 1,315,000 | 969,000 | 1,169,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 18,302,000 | 18,105,000 | 19,014,000 | 19,104,000 |
| Interest-bearing deposits | 15,635,000 | 15,622,000 | 16,293,000 | 16,268,000 |
| Noninterest-bearing deposits | 2,667,000 | 2,484,000 | 2,721,000 | 2,836,000 |
| Equity capital | 3,300,000 | 3,358,000 | 3,336,000 | 3,285,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 272,000 | 543,000 | 795,000 | 1,041,000 |
| Interest expense | 38,000 | 76,000 | 115,000 | 149,000 |
| Net interest income | 234,000 | 467,000 | 680,000 | 892,000 |
| Noninterest income | 25,000 | 50,000 | 70,000 | 87,000 |
| Noninterest expense | 163,000 | 340,000 | 496,000 | 782,000 |
| Provision for loan losses | 5,000 | 9,000 | 14,000 | 18,000 |
| Pretax income | 91,000 | 168,000 | 221,000 | 160,000 |
| Income tax | 25,000 | 44,000 | 63,000 | 52,000 |
| Net income | 66,000 | 124,000 | 158,000 | 108,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,300,000 | 3,358,000 | 3,336,000 | 3,285,000 |
| Total capital | 3,462,000 | 3,526,000 | 3,505,000 | 3,455,000 |
| Risk-weighted assets | 16,434,000 | 15,810,000 | 15,550,000 | 15,350,000 |