Call reports 2012
MONROE SAVINGS BANK — 2012
What MONROE SAVINGS 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 | 93,831,000 | 93,350,000 | 90,140,000 | 89,866,000 |
| Total loans | 58,084,000 | 58,475,000 | 58,274,000 | 58,804,000 |
| Allowance for loan losses | 659,000 | 672,000 | 653,000 | 673,000 |
| Securities available for sale | 9,506,000 | 20,646,000 | 17,183,000 | 15,912,000 |
| Securities held to maturity | 18,308,000 | 4,968,000 | 6,867,000 | 5,091,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 71,940,000 | 70,978,000 | 67,918,000 | 67,648,000 |
| Interest-bearing deposits | 70,170,000 | 68,880,000 | 66,267,000 | 66,165,000 |
| Noninterest-bearing deposits | 1,770,000 | 2,098,000 | 1,651,000 | 1,483,000 |
| Equity capital | 10,236,000 | 10,535,000 | 10,584,000 | 10,603,000 |
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 | 1,117,000 | 2,188,000 | 3,187,000 | 4,171,000 |
| Interest expense | 369,000 | 716,000 | 1,050,000 | 1,353,000 |
| Net interest income | 748,000 | 1,472,000 | 2,137,000 | 2,818,000 |
| Noninterest income | 26,000 | 42,000 | 67,000 | 99,000 |
| Noninterest expense | 633,000 | 1,260,000 | 1,863,000 | 2,482,000 |
| Provision for loan losses | 13,000 | 26,000 | 34,000 | 54,000 |
| Pretax income | 128,000 | 264,000 | 400,000 | 487,000 |
| Income tax | 50,000 | 104,000 | 178,000 | 213,000 |
| Net income | 78,000 | 160,000 | 222,000 | 274,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,096,000 | 10,179,000 | 10,241,000 | 10,293,000 |
| Total capital | 10,665,000 | 10,748,000 | 10,800,000 | 10,853,000 |
| Risk-weighted assets | 45,459,000 | 45,437,000 | 44,513,000 | 44,637,000 |