Call reports 2002
MONROE COUNTY BANK — 2002
What MONROE COUNTY BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 59,357,000 | 59,580,000 | 61,504,000 | 64,661,000 |
| Total loans | 43,263,000 | 43,681,000 | 46,127,000 | 46,104,000 |
| Allowance for loan losses | 863,000 | 875,000 | 870,000 | 923,000 |
| Securities available for sale | 5,512,000 | 5,090,000 | 5,097,000 | 5,340,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 55,220,000 | 55,109,000 | 56,751,000 | 59,598,000 |
| Interest-bearing deposits | 48,426,000 | 47,211,000 | 47,805,000 | 52,248,000 |
| Noninterest-bearing deposits | 6,794,000 | 7,898,000 | 8,947,000 | 7,350,000 |
| Equity capital | 3,868,000 | 4,192,000 | 4,469,000 | 4,792,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 1,005,000 | 2,089,000 | 3,134,000 | 4,200,000 |
| Interest expense | 512,000 | 1,020,000 | 1,518,000 | 2,003,000 |
| Net interest income | 493,000 | 1,069,000 | 1,616,000 | 2,197,000 |
| Noninterest income | 83,000 | 179,000 | 280,000 | 369,000 |
| Noninterest expense | 360,000 | 728,000 | 1,125,000 | 1,606,000 |
| Provision for loan losses | 69,000 | 83,000 | 83,000 | 162,000 |
| Pretax income | 147,000 | 437,000 | 688,000 | 798,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 147,000 | 437,000 | 688,000 | 798,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,147,000 | 4,437,000 | 4,689,000 | 4,797,000 |
| Total capital | 4,642,000 | 4,941,000 | 5,220,000 | 5,351,000 |
| Risk-weighted assets | 39,259,000 | 39,947,000 | 42,228,000 | 43,986,000 |