Call reports 2016
MONET BANK — 2016
What MONET BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 2,178,149,000 | 2,498,585,000 | 2,424,899,000 | 2,429,362,000 |
| Total loans | 1,700,319,000 | 1,910,434,000 | 1,955,382,000 | 1,913,256,000 |
| Allowance for loan losses | 29,369,000 | 30,286,000 | 30,646,000 | 28,356,000 |
| Securities available for sale | 71,020,000 | 65,399,000 | 59,098,000 | 265,181,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,089,174,000 | 1,363,783,000 | 1,303,208,000 | 1,249,444,000 |
| Interest-bearing deposits | 970,209,000 | 1,280,095,000 | 1,214,571,000 | 1,156,130,000 |
| Noninterest-bearing deposits | 118,965,000 | 83,688,000 | 88,637,000 | 93,314,000 |
| Equity capital | 948,387,000 | 971,174,000 | 988,957,000 | 1,070,271,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 30,029,000 | 60,833,000 | 99,021,000 | 133,548,000 |
| Interest expense | 2,122,000 | 4,624,000 | 7,593,000 | 10,252,000 |
| Net interest income | 27,907,000 | 56,209,000 | 91,428,000 | 123,296,000 |
| Noninterest income | 11,380,000 | 25,240,000 | 41,042,000 | 55,791,000 |
| Noninterest expense | 17,473,000 | 35,558,000 | 56,848,000 | 75,331,000 |
| Provision for loan losses | -1,387,000 | -234,000 | 433,000 | -1,995,000 |
| Pretax income | 23,111,000 | 46,035,000 | 74,883,000 | 105,445,000 |
| Income tax | 115,000 | 413,000 | 456,000 | 755,000 |
| Net income | 22,996,000 | 45,622,000 | 74,427,000 | 104,690,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 939,344,000 | 961,993,000 | 978,844,000 | 1,059,112,000 |
| Total capital | 957,463,000 | 983,538,000 | 998,990,000 | 1,081,567,000 |
| Risk-weighted assets | 1,437,520,000 | 1,714,119,000 | 1,600,455,000 | 1,789,808,000 |