Call reports 2015
MONROE SAVINGS BANK — 2015
What MONROE SAVINGS BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 96,200,000 | 96,535,000 | 94,025,000 | 94,553,000 |
| Total loans | 65,822,000 | 65,606,000 | 66,362,000 | 64,664,000 |
| Allowance for loan losses | 662,000 | 671,000 | 645,000 | 659,000 |
| Securities available for sale | 16,115,000 | 8,886,000 | 7,870,000 | 8,621,000 |
| Securities held to maturity | 6,169,000 | 6,168,000 | 6,167,000 | 6,167,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 73,229,000 | 73,479,000 | 71,132,000 | 71,626,000 |
| Interest-bearing deposits | 71,575,000 | 71,258,000 | 68,934,000 | 68,826,000 |
| Noninterest-bearing deposits | 1,654,000 | 2,221,000 | 2,198,000 | 2,800,000 |
| Equity capital | 11,208,000 | 11,201,000 | 11,289,000 | 11,359,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 979,000 | 1,958,000 | 2,919,000 | 3,878,000 |
| Interest expense | 240,000 | 476,000 | 707,000 | 932,000 |
| Net interest income | 739,000 | 1,482,000 | 2,212,000 | 2,946,000 |
| Noninterest income | 28,000 | 15,000 | 37,000 | 19,000 |
| Noninterest expense | 579,000 | 1,180,000 | 1,762,000 | 2,328,000 |
| Provision for loan losses | 24,000 | 51,000 | 65,000 | 79,000 |
| Pretax income | 164,000 | 348,000 | 506,000 | 642,000 |
| Income tax | 65,000 | 140,000 | 201,000 | 263,000 |
| Net income | 99,000 | 208,000 | 305,000 | 379,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,013,000 | 11,122,000 | 11,219,000 | 11,293,000 |
| Total capital | 11,623,000 | 11,735,000 | 11,831,000 | 11,903,000 |
| Risk-weighted assets | 48,784,000 | 49,073,000 | 48,944,000 | 48,733,000 |