Call reports 2019
MONROE SAVINGS BANK — 2019
What MONROE SAVINGS BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 96,883,000 | 93,385,000 | 92,933,000 | 93,048,000 |
| Total loans | 72,304,000 | 71,954,000 | 69,142,000 | 69,004,000 |
| Allowance for loan losses | 631,000 | 647,000 | 661,000 | 676,000 |
| Securities available for sale | 11,604,000 | 12,031,000 | 13,044,000 | 12,387,000 |
| Securities held to maturity | 1,219,000 | 252,000 | 251,000 | 251,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 70,994,000 | 67,284,000 | 66,716,000 | 66,653,000 |
| Interest-bearing deposits | 67,708,000 | 63,870,000 | 63,870,000 | 63,782,000 |
| Noninterest-bearing deposits | 3,286,000 | 3,414,000 | 2,846,000 | 2,871,000 |
| Equity capital | 12,592,000 | 12,749,000 | 12,951,000 | 13,084,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 1,030,000 | 2,076,000 | 3,086,000 | 4,070,000 |
| Interest expense | 269,000 | 540,000 | 816,000 | 1,087,000 |
| Net interest income | 761,000 | 1,536,000 | 2,270,000 | 2,983,000 |
| Noninterest income | 31,000 | 43,000 | 60,000 | 73,000 |
| Noninterest expense | 557,000 | 1,115,000 | 1,649,000 | 2,161,000 |
| Provision for loan losses | 24,000 | 40,000 | 54,000 | 69,000 |
| Pretax income | 211,000 | 425,000 | 628,000 | 827,000 |
| Income tax | 63,000 | 125,000 | 181,000 | 238,000 |
| Net income | 148,000 | 300,000 | 447,000 | 589,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,590,000 | 12,742,000 | 12,894,000 | 13,035,000 |
| Total capital | 13,221,000 | 13,389,000 | 13,519,000 | 13,663,000 |
| Risk-weighted assets | 52,038,000 | 51,758,000 | 50,087,000 | 50,309,000 |