Call reports 2018
MONROE SAVINGS BANK — 2018
What MONROE SAVINGS BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 95,525,000 | 95,719,000 | 91,629,000 | 93,347,000 |
| Total loans | 70,742,000 | 71,277,000 | 71,482,000 | 72,657,000 |
| Allowance for loan losses | 539,000 | 591,000 | 606,000 | 607,000 |
| Securities available for sale | 12,753,000 | 11,169,000 | 10,280,000 | 9,905,000 |
| Securities held to maturity | 1,216,000 | 1,217,000 | 1,217,000 | 1,218,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 70,440,000 | 71,894,000 | 69,717,000 | 67,734,000 |
| Interest-bearing deposits | 67,501,000 | 68,307,000 | 65,827,000 | 64,508,000 |
| Noninterest-bearing deposits | 2,939,000 | 3,587,000 | 3,890,000 | 3,226,000 |
| Equity capital | 11,946,000 | 12,045,000 | 12,172,000 | 12,345,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 960,000 | 1,938,000 | 2,920,000 | 3,928,000 |
| Interest expense | 227,000 | 455,000 | 679,000 | 925,000 |
| Net interest income | 733,000 | 1,483,000 | 2,241,000 | 3,003,000 |
| Noninterest income | 9,000 | 22,000 | 57,000 | 71,000 |
| Noninterest expense | 560,000 | 1,124,000 | 1,682,000 | 2,231,000 |
| Provision for loan losses | 18,000 | 35,000 | 53,000 | 67,000 |
| Pretax income | 164,000 | 350,000 | 567,000 | 780,000 |
| Income tax | 50,000 | 107,000 | 178,000 | 245,000 |
| Net income | 114,000 | 243,000 | 389,000 | 535,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,022,000 | 12,151,000 | 12,296,000 | 12,442,000 |
| Total capital | 12,561,000 | 12,742,000 | 12,902,000 | 13,049,000 |
| Risk-weighted assets | 50,651,000 | 51,370,000 | 50,380,000 | 51,638,000 |