Call reports 2024
MONROE SAVINGS BANK — 2024
What MONROE SAVINGS BANK reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 110,043,000 | 113,772,000 | 114,747,000 | 108,074,000 |
| Total loans | 93,225,000 | 93,012,000 | 91,712,000 | 91,810,000 |
| Allowance for loan losses | 911,000 | 876,000 | 882,000 | 872,000 |
| Securities available for sale | 5,173,000 | 4,922,000 | 4,812,000 | 4,582,000 |
| Securities held to maturity | 1,673,000 | 1,661,000 | 1,648,000 | 1,636,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 80,956,000 | 84,652,000 | 83,660,000 | 82,695,000 |
| Interest-bearing deposits | 77,662,000 | 81,546,000 | 80,808,000 | 80,094,000 |
| Noninterest-bearing deposits | 3,294,000 | 3,106,000 | 2,852,000 | 2,601,000 |
| Equity capital | 14,557,000 | 14,597,000 | 14,736,000 | 14,788,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 1,422,000 | 2,890,000 | 4,409,000 | 5,883,000 |
| Interest expense | 524,000 | 1,098,000 | 1,724,000 | 2,304,000 |
| Net interest income | 898,000 | 1,792,000 | 2,685,000 | 3,579,000 |
| Noninterest income | 14,000 | 25,000 | 37,000 | 46,000 |
| Noninterest expense | 694,000 | 1,375,000 | 2,049,000 | 2,707,000 |
| Provision for loan losses | 133,000 | 263,000 | 398,000 | 533,000 |
| Pretax income | 85,000 | 179,000 | 275,000 | 385,000 |
| Income tax | 24,000 | 51,000 | 80,000 | 112,000 |
| Net income | 61,000 | 128,000 | 195,000 | 273,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,714,000 | 14,782,000 | 14,849,000 | 14,927,000 |
| Total capital | 15,562,000 | 15,634,000 | 15,696,000 | 15,761,000 |
| Risk-weighted assets | 67,802,000 | 68,164,000 | 67,715,000 | 66,672,000 |