Call reports 2006
MONET BANK — 2006
What MONET BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 2,108,832,000 | 2,009,585,000 | 1,866,932,000 | 1,410,852,000 |
| Total loans | 1,453,409,000 | 1,379,661,000 | 1,223,235,000 | 1,031,555,000 |
| Allowance for loan losses | 9,981,000 | 8,652,000 | 10,358,000 | 8,933,000 |
| Securities available for sale | 383,205,000 | 335,155,000 | 324,846,000 | 254,581,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,339,251,000 | 1,281,155,000 | 1,138,747,000 | 1,050,612,000 |
| Interest-bearing deposits | 1,294,883,000 | 1,238,443,000 | 1,087,549,000 | 995,263,000 |
| Noninterest-bearing deposits | 44,368,000 | 42,712,000 | 51,198,000 | 55,349,000 |
| Equity capital | 752,161,000 | 709,853,000 | 709,311,000 | 342,771,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 56,699,000 | 117,289,000 | 177,019,000 | 229,037,000 |
| Interest expense | 13,003,000 | 25,432,000 | 38,023,000 | 49,683,000 |
| Net interest income | 43,696,000 | 91,857,000 | 138,996,000 | 179,354,000 |
| Noninterest income | 17,987,000 | 23,050,000 | 32,411,000 | 40,474,000 |
| Noninterest expense | 14,259,000 | 27,379,000 | 43,470,000 | 55,460,000 |
| Provision for loan losses | -1,185,000 | -899,000 | 3,347,000 | 3,453,000 |
| Pretax income | 48,609,000 | 88,427,000 | 124,590,000 | 160,915,000 |
| Income tax | 1,500,000 | 478,000 | 1,664,000 | 1,644,000 |
| Net income | 47,109,000 | 87,949,000 | 122,926,000 | 159,271,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 728,351,000 | 687,151,000 | 685,204,000 | 321,726,000 |
| Total capital | 738,332,000 | 695,803,000 | 695,562,000 | 330,659,000 |
| Risk-weighted assets | 1,206,719,000 | 1,114,015,000 | 1,047,918,000 | 850,843,000 |