Call reports 2012
MONROE STATE BANK — 2012
What MONROE STATE BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 23,061,000 | 23,618,000 | 23,637,000 | 25,123,000 |
| Total loans | 11,934,000 | 12,315,000 | 12,459,000 | 12,714,000 |
| Allowance for loan losses | 170,000 | 174,000 | 171,000 | 124,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 3,755,000 | 4,982,000 | 5,477,000 | 5,675,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 19,884,000 | 20,382,000 | 20,386,000 | 22,379,000 |
| Interest-bearing deposits | 16,556,000 | 17,288,000 | 17,418,000 | 18,656,000 |
| Noninterest-bearing deposits | 3,328,000 | 3,094,000 | 2,968,000 | 3,723,000 |
| Equity capital | 3,162,000 | 3,221,000 | 3,239,000 | 2,733,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 222,000 | 452,000 | 690,000 | 940,000 |
| Interest expense | 27,000 | 56,000 | 84,000 | 113,000 |
| Net interest income | 195,000 | 396,000 | 606,000 | 827,000 |
| Noninterest income | 26,000 | 48,000 | 67,000 | 57,000 |
| Noninterest expense | 180,000 | 335,000 | 500,000 | 742,000 |
| Provision for loan losses | 9,000 | 13,000 | 18,000 | 73,000 |
| Pretax income | 32,000 | 91,000 | 146,000 | 60,000 |
| Income tax | 0 | 0 | 19,000 | 37,000 |
| Net income | 32,000 | 91,000 | 127,000 | 23,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,162,000 | 3,221,000 | 3,239,000 | 2,733,000 |
| Total capital | 3,332,000 | 3,395,000 | 3,410,000 | 2,857,000 |
| Risk-weighted assets | 17,583,000 | 19,021,000 | 19,558,000 | 20,657,000 |