Call reports 2007
MONROE COUNTY BANK — 2007
What MONROE COUNTY BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 72,760,000 | 76,318,000 | 81,079,000 | 85,553,000 |
| Total loans | 49,779,000 | 50,734,000 | 49,978,000 | 51,129,000 |
| Allowance for loan losses | 995,000 | 1,033,000 | 978,000 | 1,000,000 |
| Securities available for sale | 5,965,000 | 6,914,000 | 7,934,000 | 13,995,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 66,035,000 | 69,278,000 | 73,900,000 | 78,252,000 |
| Interest-bearing deposits | 55,313,000 | 58,185,000 | 63,499,000 | 68,660,000 |
| Noninterest-bearing deposits | 10,722,000 | 11,093,000 | 10,402,000 | 9,592,000 |
| Equity capital | 6,445,000 | 6,668,000 | 6,723,000 | 6,980,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,306,000 | 2,682,000 | 4,112,000 | 5,616,000 |
| Interest expense | 519,000 | 1,079,000 | 1,725,000 | 2,404,000 |
| Net interest income | 787,000 | 1,603,000 | 2,387,000 | 3,212,000 |
| Noninterest income | 134,000 | 261,000 | 398,000 | 581,000 |
| Noninterest expense | 659,000 | 1,322,000 | 1,998,000 | 2,505,000 |
| Provision for loan losses | 39,000 | 100,000 | 100,000 | 127,000 |
| Pretax income | 354,000 | 573,000 | 818,000 | 1,292,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 354,000 | 573,000 | 818,000 | 1,292,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,460,000 | 6,679,000 | 6,734,000 | 6,958,000 |
| Total capital | 6,522,000 | 7,307,000 | 7,369,000 | 7,594,000 |
| Risk-weighted assets | 48,555,000 | 49,872,000 | 50,528,000 | 50,584,000 |