Call reports 2013
MONROE SAVINGS BANK — 2013
What MONROE SAVINGS 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 | 91,123,000 | 91,328,000 | 91,471,000 | 91,937,000 |
| Total loans | 59,372,000 | 61,460,000 | 63,655,000 | 64,979,000 |
| Allowance for loan losses | 686,000 | 700,000 | 635,000 | 717,000 |
| Securities available for sale | 15,414,000 | 14,849,000 | 14,329,000 | 13,868,000 |
| Securities held to maturity | 7,038,000 | 7,538,000 | 7,987,000 | 7,986,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 68,774,000 | 68,909,000 | 69,149,000 | 69,561,000 |
| Interest-bearing deposits | 67,051,000 | 67,197,000 | 67,758,000 | 68,039,000 |
| Noninterest-bearing deposits | 1,723,000 | 1,712,000 | 1,391,000 | 1,522,000 |
| Equity capital | 10,683,000 | 10,696,000 | 10,725,000 | 10,793,000 |
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 | 959,000 | 1,928,000 | 2,925,000 | 3,976,000 |
| Interest expense | 280,000 | 559,000 | 834,000 | 1,102,000 |
| Net interest income | 679,000 | 1,369,000 | 2,091,000 | 2,874,000 |
| Noninterest income | 29,000 | 57,000 | 51,000 | 24,000 |
| Noninterest expense | 612,000 | 1,233,000 | 1,835,000 | 2,360,000 |
| Provision for loan losses | 13,000 | 27,000 | 37,000 | 119,000 |
| Pretax income | 83,000 | 166,000 | 270,000 | 419,000 |
| Income tax | 32,000 | 65,000 | 107,000 | 175,000 |
| Net income | 51,000 | 101,000 | 163,000 | 244,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,344,000 | 10,393,000 | 10,456,000 | 10,537,000 |
| Total capital | 10,905,000 | 10,966,000 | 11,040,000 | 11,125,000 |
| Risk-weighted assets | 44,804,000 | 45,684,000 | 46,678,000 | 46,918,000 |