Call reports 2021
MONROE SAVINGS BANK — 2021
What MONROE SAVINGS BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 99,825,000 | 103,694,000 | 106,665,000 | 107,306,000 |
| Total loans | 71,583,000 | 72,709,000 | 71,214,000 | 70,277,000 |
| Allowance for loan losses | 755,000 | 769,000 | 770,000 | 745,000 |
| Securities available for sale | 8,553,000 | 7,497,000 | 6,957,000 | 6,416,000 |
| Securities held to maturity | 1,785,000 | 1,368,000 | 1,127,000 | 966,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 72,836,000 | 76,597,000 | 79,408,000 | 80,244,000 |
| Interest-bearing deposits | 68,627,000 | 70,632,000 | 73,544,000 | 74,994,000 |
| Noninterest-bearing deposits | 4,209,000 | 5,965,000 | 5,864,000 | 5,250,000 |
| Equity capital | 13,687,000 | 13,761,000 | 13,807,000 | 13,898,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 857,000 | 1,692,000 | 2,509,000 | 3,321,000 |
| Interest expense | 213,000 | 423,000 | 632,000 | 839,000 |
| Net interest income | 644,000 | 1,269,000 | 1,877,000 | 2,482,000 |
| Noninterest income | 13,000 | 23,000 | 35,000 | 48,000 |
| Noninterest expense | 494,000 | 1,006,000 | 1,559,000 | 2,065,000 |
| Provision for loan losses | 14,000 | 28,000 | 28,000 | 3,000 |
| Pretax income | 149,000 | 258,000 | 325,000 | 462,000 |
| Income tax | 42,000 | 65,000 | 83,000 | 122,000 |
| Net income | 107,000 | 193,000 | 242,000 | 340,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,612,000 | 13,699,000 | 13,746,000 | 13,845,000 |
| Total capital | 14,265,000 | 14,364,000 | 14,414,000 | 14,512,000 |
| Risk-weighted assets | 52,257,000 | 53,158,000 | 53,358,000 | 53,377,000 |