Call reports 2005
MONET BANK — 2005
What MONET BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 2,610,401,000 | 2,242,029,000 | 2,253,244,000 | 2,200,234,000 |
| Total loans | 1,794,782,000 | 1,612,999,000 | 1,632,811,000 | 1,608,959,000 |
| Allowance for loan losses | 15,726,000 | 14,739,000 | 13,919,000 | 13,062,000 |
| Securities available for sale | 446,853,000 | 366,655,000 | 423,669,000 | 414,748,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,553,440,000 | 1,502,159,000 | 1,411,353,000 | 1,467,567,000 |
| Interest-bearing deposits | 1,504,066,000 | 1,439,561,000 | 1,349,375,000 | 1,421,992,000 |
| Noninterest-bearing deposits | 49,374,000 | 62,598,000 | 61,978,000 | 45,575,000 |
| Equity capital | 585,340,000 | 610,811,000 | 666,179,000 | 707,811,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 76,874,000 | 137,899,000 | 194,906,000 | 250,096,000 |
| Interest expense | 17,490,000 | 30,583,000 | 42,634,000 | 55,605,000 |
| Net interest income | 59,384,000 | 107,316,000 | 152,272,000 | 194,491,000 |
| Noninterest income | 14,976,000 | 30,392,000 | 57,018,000 | 72,023,000 |
| Noninterest expense | 23,047,000 | 42,595,000 | 63,680,000 | 84,033,000 |
| Provision for loan losses | 3,174,000 | 4,642,000 | 6,556,000 | 8,661,000 |
| Pretax income | 48,160,000 | 79,588,000 | 128,171,000 | 162,937,000 |
| Income tax | 1,294,000 | 2,931,000 | 7,717,000 | 7,981,000 |
| Net income | 46,866,000 | 76,657,000 | 120,454,000 | 154,956,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 567,175,000 | 606,188,000 | 649,978,000 | 684,470,000 |
| Total capital | 582,901,000 | 620,927,000 | 663,897,000 | 697,532,000 |
| Risk-weighted assets | 2,040,308,000 | 1,803,699,000 | 1,830,113,000 | 1,803,535,000 |