Call reports 2003
MONROE COUNTY BANK — 2003
What MONROE COUNTY BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 69,437,000 | 73,503,000 | 78,099,000 | 79,525,000 |
| Total loans | 44,619,000 | 45,755,000 | 45,522,000 | 41,693,000 |
| Allowance for loan losses | 916,000 | 942,000 | 1,349,000 | 1,306,000 |
| Securities available for sale | 6,101,000 | 10,292,000 | 8,183,000 | 9,174,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 64,114,000 | 67,641,000 | 72,647,000 | 73,934,000 |
| Interest-bearing deposits | 56,008,000 | 58,310,000 | 61,993,000 | 64,802,000 |
| Noninterest-bearing deposits | 8,106,000 | 9,331,000 | 10,654,000 | 9,132,000 |
| Equity capital | 5,060,000 | 5,542,000 | 5,164,000 | 5,371,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 943,000 | 2,032,000 | 3,024,000 | 3,993,000 |
| Interest expense | 484,000 | 961,000 | 1,417,000 | 1,869,000 |
| Net interest income | 459,000 | 1,071,000 | 1,607,000 | 2,124,000 |
| Noninterest income | 98,000 | 204,000 | 367,000 | 503,000 |
| Noninterest expense | 486,000 | 994,000 | 1,551,000 | 2,034,000 |
| Provision for loan losses | 37,000 | 99,000 | 549,000 | 549,000 |
| Pretax income | 34,000 | 182,000 | 240,000 | 418,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 34,000 | 182,000 | 240,000 | 418,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,834,000 | 4,982,000 | 5,040,000 | 5,218,000 |
| Total capital | 5,388,000 | 5,541,000 | 5,618,000 | 5,775,000 |
| Risk-weighted assets | 43,919,000 | 44,311,000 | 45,505,000 | 43,788,000 |