Call reports 2011
MONROE STATE BANK — 2011
What MONROE STATE BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 23,405,000 | 23,057,000 | 22,547,000 | 22,597,000 |
| Total loans | 12,849,000 | 13,163,000 | 13,058,000 | 12,461,000 |
| Allowance for loan losses | 175,000 | 178,000 | 184,000 | 161,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 1,169,000 | 1,562,000 | 1,969,000 | 1,964,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 20,136,000 | 19,736,000 | 19,155,000 | 19,394,000 |
| Interest-bearing deposits | 17,301,000 | 17,254,000 | 16,560,000 | 16,332,000 |
| Noninterest-bearing deposits | 2,835,000 | 2,482,000 | 2,595,000 | 3,063,000 |
| Equity capital | 3,241,000 | 3,293,000 | 3,365,000 | 3,186,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 242,000 | 487,000 | 843,000 | 943,000 |
| Interest expense | 33,000 | 65,000 | 96,000 | 126,000 |
| Net interest income | 209,000 | 422,000 | 747,000 | 817,000 |
| Noninterest income | 26,000 | 46,000 | 69,000 | 113,000 |
| Noninterest expense | 183,000 | 334,000 | 523,000 | 763,000 |
| Provision for loan losses | 5,000 | 8,000 | 14,000 | 128,000 |
| Pretax income | 47,000 | 126,000 | 277,000 | 37,000 |
| Income tax | 0 | 28,000 | 70,000 | 8,000 |
| Net income | 47,000 | 98,000 | 207,000 | 29,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,241,000 | 3,293,000 | 3,365,000 | 3,139,000 |
| Total capital | 3,416,000 | 3,471,000 | 3,549,000 | 3,300,000 |
| Risk-weighted assets | 16,334,000 | 16,916,000 | 17,067,000 | 16,672,000 |