Call reports 2016
MONROE SAVINGS BANK — 2016
What MONROE SAVINGS BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 94,093,000 | 95,005,000 | 95,532,000 | 93,496,000 |
| Total loans | 63,085,000 | 64,341,000 | 64,959,000 | 67,250,000 |
| Allowance for loan losses | 679,000 | 618,000 | 612,000 | 611,000 |
| Securities available for sale | 10,860,000 | 13,634,000 | 12,479,000 | 11,780,000 |
| Securities held to maturity | 5,691,000 | 3,292,000 | 256,000 | 1,213,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 71,022,000 | 71,807,000 | 72,524,000 | 70,581,000 |
| Interest-bearing deposits | 68,705,000 | 68,943,000 | 69,227,000 | 67,895,000 |
| Noninterest-bearing deposits | 2,317,000 | 2,864,000 | 3,297,000 | 2,686,000 |
| Equity capital | 11,456,000 | 11,521,000 | 11,543,000 | 11,488,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 931,000 | 1,849,000 | 2,770,000 | 3,690,000 |
| Interest expense | 219,000 | 437,000 | 659,000 | 879,000 |
| Net interest income | 712,000 | 1,412,000 | 2,111,000 | 2,811,000 |
| Noninterest income | 24,000 | 55,000 | 71,000 | 49,000 |
| Noninterest expense | 598,000 | 1,219,000 | 1,823,000 | 2,404,000 |
| Provision for loan losses | 20,000 | 34,000 | 48,000 | 62,000 |
| Pretax income | 124,000 | 223,000 | 332,000 | 415,000 |
| Income tax | 50,000 | 88,000 | 140,000 | 184,000 |
| Net income | 74,000 | 135,000 | 192,000 | 231,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,367,000 | 11,428,000 | 11,485,000 | 11,524,000 |
| Total capital | 11,967,000 | 12,036,000 | 12,097,000 | 12,135,000 |
| Risk-weighted assets | 47,892,000 | 48,617,000 | 48,929,000 | 49,422,000 |