Call reports 2008
MONROE COUNTY BANK — 2008
What MONROE COUNTY BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 81,446,000 | 77,910,000 | 84,954,000 | 86,462,000 |
| Total loans | 53,969,000 | 55,797,000 | 58,582,000 | 59,751,000 |
| Allowance for loan losses | 1,000,000 | 1,122,000 | 1,121,000 | 1,200,000 |
| Securities available for sale | 11,987,000 | 7,976,000 | 7,989,000 | 8,148,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 74,555,000 | 70,978,000 | 77,911,000 | 79,678,000 |
| Interest-bearing deposits | 64,091,000 | 60,199,000 | 67,688,000 | 68,979,000 |
| Noninterest-bearing deposits | 10,464,000 | 10,779,000 | 10,223,000 | 10,699,000 |
| Equity capital | 6,566,000 | 6,549,000 | 6,585,000 | 6,474,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,394,000 | 2,657,000 | 3,915,000 | 5,147,000 |
| Interest expense | 592,000 | 1,134,000 | 1,753,000 | 2,377,000 |
| Net interest income | 802,000 | 1,523,000 | 2,162,000 | 2,770,000 |
| Noninterest income | 133,000 | 264,000 | 404,000 | 567,000 |
| Noninterest expense | 703,000 | 1,415,000 | 2,170,000 | 2,806,000 |
| Provision for loan losses | 0 | 125,000 | 125,000 | 390,000 |
| Pretax income | 232,000 | 247,000 | 271,000 | 141,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 232,000 | 247,000 | 271,000 | 141,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,545,000 | 6,560,000 | 6,585,000 | 6,454,000 |
| Total capital | 6,545,000 | 7,236,000 | 7,304,000 | 7,192,000 |
| Risk-weighted assets | 51,580,000 | 53,643,000 | 57,117,000 | 58,603,000 |