Call reports 2004
MONROE COUNTY BANK — 2004
What MONROE COUNTY BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 80,031,000 | 78,931,000 | 86,699,000 | 84,551,000 |
| Total loans | 41,852,000 | 42,538,000 | 43,982,000 | 42,827,000 |
| Allowance for loan losses | 1,308,000 | 1,307,000 | 1,277,000 | 1,267,000 |
| Securities available for sale | 18,420,000 | 24,124,000 | 35,354,000 | 23,832,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 74,019,000 | 73,210,000 | 80,523,000 | 78,495,000 |
| Interest-bearing deposits | 62,892,000 | 62,235,000 | 69,306,000 | 67,607,000 |
| Noninterest-bearing deposits | 11,127,000 | 10,975,000 | 11,217,000 | 10,888,000 |
| Equity capital | 5,777,000 | 5,481,000 | 5,913,000 | 5,807,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 928,000 | 1,869,000 | 2,833,000 | 3,789,000 |
| Interest expense | 435,000 | 858,000 | 1,283,000 | 1,742,000 |
| Net interest income | 493,000 | 1,011,000 | 1,550,000 | 2,047,000 |
| Noninterest income | 136,000 | 257,000 | 389,000 | 516,000 |
| Noninterest expense | 477,000 | 946,000 | 1,402,000 | 1,866,000 |
| Provision for loan losses | 0 | 0 | 25,000 | 100,000 |
| Pretax income | 437,000 | 632,000 | 823,000 | 908,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 437,000 | 632,000 | 823,000 | 908,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,655,000 | 5,640,000 | 5,831,000 | 5,697,000 |
| Total capital | 6,185,000 | 6,167,000 | 6,367,000 | 6,244,000 |
| Risk-weighted assets | 41,623,000 | 41,353,000 | 42,113,000 | 43,001,000 |