Call reports 2025
MONROE SAVINGS BANK — 2025
What MONROE SAVINGS BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 110,839,000 | 110,237,000 | 111,488,000 | 114,466,000 |
| Total loans | 92,190,000 | 90,887,000 | 90,632,000 | 87,880,000 |
| Allowance for loan losses | 947,000 | 974,000 | 950,000 | 929,000 |
| Securities available for sale | 4,406,000 | 4,717,000 | 4,554,000 | 5,374,000 |
| Securities held to maturity | 1,626,000 | 1,614,000 | 1,598,000 | 1,591,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 85,323,000 | 84,633,000 | 85,465,000 | 88,129,000 |
| Interest-bearing deposits | 82,428,000 | 81,685,000 | 81,176,000 | 84,057,000 |
| Noninterest-bearing deposits | 2,895,000 | 2,948,000 | 4,289,000 | 4,072,000 |
| Equity capital | 14,898,000 | 15,047,000 | 15,252,000 | 15,465,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 1,448,000 | 2,915,000 | 4,421,000 | 5,917,000 |
| Interest expense | 530,000 | 1,049,000 | 1,574,000 | 2,101,000 |
| Net interest income | 918,000 | 1,866,000 | 2,847,000 | 3,816,000 |
| Noninterest income | 16,000 | 26,000 | 39,000 | 50,000 |
| Noninterest expense | 689,000 | 1,372,000 | 2,144,000 | 2,850,000 |
| Provision for loan losses | 103,000 | 193,000 | 168,000 | 168,000 |
| Pretax income | 142,000 | 327,000 | 574,000 | 848,000 |
| Income tax | 41,000 | 91,000 | 163,000 | 244,000 |
| Net income | 101,000 | 236,000 | 411,000 | 604,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,028,000 | 15,163,000 | 15,338,000 | 15,531,000 |
| Total capital | 15,862,000 | 15,996,000 | 16,164,000 | 16,348,000 |
| Risk-weighted assets | 66,649,000 | 66,481,000 | 65,972,000 | 65,274,000 |