Call reports 2006
MONROE COUNTY BANK — 2006
What MONROE COUNTY BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 83,794,000 | 80,629,000 | 78,230,000 | 79,272,000 |
| Total loans | 44,220,000 | 45,370,000 | 45,926,000 | 48,011,000 |
| Allowance for loan losses | 889,000 | 907,000 | 927,000 | 962,000 |
| Securities available for sale | 18,699,000 | 18,763,000 | 12,740,000 | 12,757,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 77,686,000 | 74,321,000 | 71,519,000 | 72,274,000 |
| Interest-bearing deposits | 59,724,000 | 57,701,000 | 53,838,000 | 55,646,000 |
| Noninterest-bearing deposits | 17,962,000 | 16,620,000 | 17,681,000 | 16,628,000 |
| Equity capital | 5,805,000 | 5,955,000 | 6,330,000 | 6,740,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,242,000 | 2,514,000 | 3,824,000 | 5,181,000 |
| Interest expense | 465,000 | 925,000 | 1,398,000 | 1,933,000 |
| Net interest income | 777,000 | 1,589,000 | 2,426,000 | 3,248,000 |
| Noninterest income | 121,000 | 253,000 | 393,000 | 528,000 |
| Noninterest expense | 569,000 | 1,148,000 | 1,754,000 | 2,284,000 |
| Provision for loan losses | 18,000 | 49,000 | 71,000 | 106,000 |
| Pretax income | 311,000 | 645,000 | 994,000 | 1,386,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 311,000 | 645,000 | 994,000 | 1,386,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,787,000 | 5,872,000 | 6,220,000 | 6,612,000 |
| Total capital | 6,280,000 | 6,486,000 | 6,833,000 | 7,206,000 |
| Risk-weighted assets | 42,796,000 | 48,782,000 | 48,775,000 | 47,257,000 |