Call reports 2020
MONROE SAVINGS BANK — 2020
What MONROE SAVINGS BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 91,193,000 | 97,100,000 | 97,972,000 | 98,866,000 |
| Total loans | 69,202,000 | 70,406,000 | 69,860,000 | 71,709,000 |
| Allowance for loan losses | 690,000 | 706,000 | 727,000 | 741,000 |
| Securities available for sale | 11,232,000 | 10,974,000 | 10,063,000 | 9,224,000 |
| Securities held to maturity | 1,000 | 3,115,000 | 2,945,000 | 2,648,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 64,630,000 | 70,334,000 | 71,201,000 | 72,039,000 |
| Interest-bearing deposits | 61,228,000 | 66,397,000 | 66,911,000 | 67,860,000 |
| Noninterest-bearing deposits | 3,402,000 | 3,937,000 | 4,290,000 | 4,179,000 |
| Equity capital | 13,209,000 | 13,346,000 | 13,492,000 | 13,588,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 964,000 | 1,867,000 | 2,818,000 | 3,690,000 |
| Interest expense | 258,000 | 496,000 | 732,000 | 962,000 |
| Net interest income | 706,000 | 1,371,000 | 2,086,000 | 2,728,000 |
| Noninterest income | 14,000 | 22,000 | 48,000 | 59,000 |
| Noninterest expense | 536,000 | 1,048,000 | 1,583,000 | 2,079,000 |
| Provision for loan losses | 14,000 | 30,000 | 51,000 | 65,000 |
| Pretax income | 181,000 | 326,000 | 511,000 | 654,000 |
| Income tax | 51,000 | 92,000 | 145,000 | 185,000 |
| Net income | 130,000 | 234,000 | 366,000 | 469,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,165,000 | 13,269,000 | 13,401,000 | 13,504,000 |
| Total capital | 13,786,000 | 13,911,000 | 14,041,000 | 14,153,000 |
| Risk-weighted assets | 49,693,000 | 51,413,000 | 51,255,000 | 51,938,000 |