Call reports 2023
MONROE SAVINGS BANK — 2023
What MONROE SAVINGS BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 100,711,000 | 107,084,000 | 108,688,000 | 107,506,000 |
| Total loans | 85,927,000 | 89,382,000 | 95,349,000 | 95,665,000 |
| Allowance for loan losses | 968,000 | 1,004,000 | 993,000 | 993,000 |
| Securities available for sale | 6,099,000 | 5,843,000 | 5,516,000 | 5,346,000 |
| Securities held to maturity | 1,732,000 | 1,714,000 | 1,694,000 | 1,681,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 79,882,000 | 80,083,000 | 80,227,000 | 78,890,000 |
| Interest-bearing deposits | 76,561,000 | 76,527,000 | 76,820,000 | 75,885,000 |
| Noninterest-bearing deposits | 3,321,000 | 3,556,000 | 3,407,000 | 3,005,000 |
| Equity capital | 14,199,000 | 14,280,000 | 14,320,000 | 14,466,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 1,168,000 | 2,427,000 | 3,804,000 | 5,246,000 |
| Interest expense | 274,000 | 631,000 | 1,060,000 | 1,547,000 |
| Net interest income | 894,000 | 1,796,000 | 2,744,000 | 3,699,000 |
| Noninterest income | 33,000 | 42,000 | 56,000 | 75,000 |
| Noninterest expense | 657,000 | 1,315,000 | 1,984,000 | 2,668,000 |
| Provision for loan losses | 123,000 | 242,000 | 397,000 | 532,000 |
| Pretax income | 147,000 | 281,000 | 419,000 | 574,000 |
| Income tax | 41,000 | 79,000 | 119,000 | 163,000 |
| Net income | 106,000 | 202,000 | 300,000 | 411,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,348,000 | 14,444,000 | 14,543,000 | 14,653,000 |
| Total capital | 15,135,000 | 15,266,000 | 15,398,000 | 15,510,000 |
| Risk-weighted assets | 62,925,000 | 65,629,000 | 68,191,000 | 68,446,000 |