Call reports 2014
MONROE SAVINGS BANK — 2014
What MONROE SAVINGS BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 96,451,000 | 98,146,000 | 94,932,000 | 95,311,000 |
| Total loans | 65,870,000 | 66,937,000 | 65,369,000 | 66,274,000 |
| Allowance for loan losses | 664,000 | 648,000 | 660,000 | 673,000 |
| Securities available for sale | 17,353,000 | 16,174,000 | 16,764,000 | 16,435,000 |
| Securities held to maturity | 7,986,000 | 7,985,000 | 7,984,000 | 7,984,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 73,892,000 | 75,578,000 | 72,246,000 | 72,189,000 |
| Interest-bearing deposits | 72,374,000 | 73,443,000 | 70,553,000 | 70,572,000 |
| Noninterest-bearing deposits | 1,518,000 | 2,135,000 | 1,693,000 | 1,617,000 |
| Equity capital | 10,899,000 | 10,897,000 | 10,998,000 | 11,122,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 992,000 | 2,030,000 | 3,031,000 | 4,016,000 |
| Interest expense | 243,000 | 496,000 | 744,000 | 994,000 |
| Net interest income | 749,000 | 1,534,000 | 2,287,000 | 3,022,000 |
| Noninterest income | -2,000 | -22,000 | -10,000 | 28,000 |
| Noninterest expense | 594,000 | 1,185,000 | 1,767,000 | 2,361,000 |
| Provision for loan losses | 6,000 | 20,000 | 32,000 | 45,000 |
| Pretax income | 147,000 | 311,000 | 482,000 | 648,000 |
| Income tax | 62,000 | 131,000 | 204,000 | 271,000 |
| Net income | 85,000 | 180,000 | 278,000 | 377,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,622,000 | 10,717,000 | 10,815,000 | 10,914,000 |
| Total capital | 11,228,000 | 11,335,000 | 11,421,000 | 11,533,000 |
| Risk-weighted assets | 48,396,000 | 49,330,000 | 48,404,000 | 49,415,000 |