Call reports 2013
MONROE STATE BANK — 2013
What MONROE STATE BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 28,497,000 | 26,302,000 | 24,781,000 | 24,861,000 |
| Total loans | 12,088,000 | 11,718,000 | 11,740,000 | 11,731,000 |
| Allowance for loan losses | 133,000 | 134,000 | 148,000 | 147,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 4,875,000 | 7,014,000 | 6,594,000 | 6,480,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 25,650,000 | 23,463,000 | 21,848,000 | 21,837,000 |
| Interest-bearing deposits | 22,283,000 | 20,171,000 | 18,590,000 | 18,276,000 |
| Noninterest-bearing deposits | 3,367,000 | 3,292,000 | 3,259,000 | 3,561,000 |
| Equity capital | 2,818,000 | 2,789,000 | 2,883,000 | 2,871,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 218,000 | 446,000 | 690,000 | 927,000 |
| Interest expense | 26,000 | 52,000 | 78,000 | 100,000 |
| Net interest income | 192,000 | 394,000 | 612,000 | 827,000 |
| Noninterest income | 39,000 | 21,000 | 37,000 | 55,000 |
| Noninterest expense | 169,000 | 380,000 | 512,000 | 737,000 |
| Provision for loan losses | 5,000 | 6,000 | 14,000 | 18,000 |
| Pretax income | 57,000 | 29,000 | 123,000 | 127,000 |
| Income tax | 0 | 0 | 0 | 16,000 |
| Net income | 57,000 | 29,000 | 123,000 | 111,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,818,000 | 2,789,000 | 2,883,000 | 2,871,000 |
| Total capital | 2,951,000 | 2,789,000 | 2,883,000 | 3,018,000 |
| Risk-weighted assets | 22,952,000 | 21,235,000 | 19,301,000 | 19,624,000 |