Call reports 2005
MONROE COUNTY BANK — 2005
What MONROE COUNTY BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 82,345,000 | 82,485,000 | 80,369,000 | 85,177,000 |
| Total loans | 44,349,000 | 44,916,000 | 43,444,000 | 43,140,000 |
| Allowance for loan losses | 1,268,000 | 1,053,000 | 757,000 | 871,000 |
| Securities available for sale | 19,717,000 | 21,697,000 | 22,659,000 | 27,520,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 76,387,000 | 76,687,000 | 74,488,000 | 79,237,000 |
| Interest-bearing deposits | 63,898,000 | 63,180,000 | 61,192,000 | 64,437,000 |
| Noninterest-bearing deposits | 12,489,000 | 13,508,000 | 13,296,000 | 14,800,000 |
| Equity capital | 5,694,000 | 5,493,000 | 5,567,000 | 5,697,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 994,000 | 2,030,000 | 3,113,000 | 4,317,000 |
| Interest expense | 450,000 | 918,000 | 1,392,000 | 1,871,000 |
| Net interest income | 544,000 | 1,112,000 | 1,721,000 | 2,446,000 |
| Noninterest income | 122,000 | 255,000 | 387,000 | 549,000 |
| Noninterest expense | 497,000 | 1,011,000 | 1,518,000 | 2,055,000 |
| Provision for loan losses | 0 | 150,000 | 300,000 | 420,000 |
| Pretax income | 169,000 | 206,000 | 290,000 | 422,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 169,000 | 206,000 | 290,000 | 422,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,666,000 | 5,459,000 | 5,567,000 | 5,676,000 |
| Total capital | 6,934,000 | 6,034,000 | 6,110,000 | 6,216,000 |
| Risk-weighted assets | 45,532,000 | 45,499,000 | 43,286,000 | 42,931,000 |