Call reports 2015
MONET BANK — 2015
What MONET BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 2,069,034,000 | 1,988,355,000 | 1,988,167,000 | 2,007,720,000 |
| Total loans | 1,718,807,000 | 1,649,589,000 | 1,661,386,000 | 1,627,628,000 |
| Allowance for loan losses | 31,295,000 | 32,854,000 | 32,018,000 | 31,059,000 |
| Securities available for sale | 94,834,000 | 85,534,000 | 81,036,000 | 75,611,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 802,687,000 | 786,382,000 | 821,952,000 | 867,146,000 |
| Interest-bearing deposits | 721,838,000 | 686,755,000 | 714,909,000 | 748,650,000 |
| Noninterest-bearing deposits | 80,849,000 | 99,627,000 | 107,043,000 | 118,496,000 |
| Equity capital | 1,062,657,000 | 1,044,245,000 | 1,025,730,000 | 974,795,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 31,922,000 | 62,513,000 | 92,568,000 | 122,254,000 |
| Interest expense | 2,076,000 | 4,016,000 | 5,892,000 | 7,824,000 |
| Net interest income | 29,846,000 | 58,497,000 | 86,676,000 | 114,430,000 |
| Noninterest income | 13,095,000 | 29,469,000 | 42,376,000 | 57,600,000 |
| Noninterest expense | 25,533,000 | 44,052,000 | 64,688,000 | 83,847,000 |
| Provision for loan losses | -6,496,000 | -4,689,000 | -5,163,000 | -5,977,000 |
| Pretax income | 23,840,000 | 48,539,000 | 69,463,000 | 94,055,000 |
| Income tax | 430,000 | 807,000 | 921,000 | 5,155,000 |
| Net income | 23,410,000 | 47,732,000 | 68,542,000 | 88,900,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,046,987,000 | 1,034,286,000 | 1,016,058,000 | 962,545,000 |
| Total capital | 1,065,800,000 | 1,051,744,000 | 1,033,730,000 | 979,966,000 |
| Risk-weighted assets | 1,486,958,000 | 1,380,589,000 | 1,398,686,000 | 1,376,519,000 |