Call reports 2007
MONET BANK — 2007
What MONET BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 1,436,759,000 | 1,342,197,000 | 1,310,348,000 | 1,240,741,000 |
| Total loans | 682,599,000 | 582,594,000 | 801,892,000 | 867,024,000 |
| Allowance for loan losses | 6,534,000 | 6,510,000 | 7,740,000 | 8,204,000 |
| Securities available for sale | 262,062,000 | 152,870,000 | 122,444,000 | 118,672,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,042,648,000 | 931,662,000 | 889,928,000 | 807,238,000 |
| Interest-bearing deposits | 998,892,000 | 903,964,000 | 845,060,000 | 781,937,000 |
| Noninterest-bearing deposits | 43,756,000 | 27,698,000 | 44,868,000 | 25,301,000 |
| Equity capital | 380,434,000 | 399,070,000 | 410,210,000 | 421,394,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 36,823,000 | 77,665,000 | 111,109,000 | 146,166,000 |
| Interest expense | 10,998,000 | 21,802,000 | 32,001,000 | 41,290,000 |
| Net interest income | 25,825,000 | 55,863,000 | 79,108,000 | 104,876,000 |
| Noninterest income | 7,526,000 | 12,901,000 | 15,509,000 | 18,460,000 |
| Noninterest expense | 10,558,000 | 22,495,000 | 34,584,000 | 49,167,000 |
| Provision for loan losses | 678,000 | 1,591,000 | 4,595,000 | 5,699,000 |
| Pretax income | 22,115,000 | 61,363,000 | 73,596,000 | 86,628,000 |
| Income tax | 504,000 | 988,000 | 248,000 | 1,743,000 |
| Net income | 21,611,000 | 60,375,000 | 73,348,000 | 84,885,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 343,285,000 | 382,209,000 | 395,183,000 | 406,680,000 |
| Total capital | 349,819,000 | 388,719,000 | 402,923,000 | 414,884,000 |
| Risk-weighted assets | 795,428,000 | 672,879,000 | 687,026,000 | 745,996,000 |