Call reports 2009
MONROE COUNTY BANK — 2009
What MONROE COUNTY BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 87,563,000 | 87,508,000 | 88,838,000 | 89,878,000 |
| Total loans | 59,454,000 | 60,399,000 | 64,995,000 | 60,794,000 |
| Allowance for loan losses | 1,050,000 | 1,049,000 | 1,000,000 | 1,240,000 |
| Securities available for sale | 8,127,000 | 4,110,000 | 4,064,000 | 4,018,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 79,209,000 | 80,115,000 | 81,318,000 | 82,002,000 |
| Interest-bearing deposits | 69,037,000 | 70,102,000 | 71,212,000 | 61,631,000 |
| Noninterest-bearing deposits | 10,173,000 | 10,013,000 | 10,106,000 | 20,371,000 |
| Equity capital | 8,079,000 | 6,940,000 | 7,003,000 | 7,557,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,141,000 | 2,303,000 | 3,467,000 | 4,648,000 |
| Interest expense | 604,000 | 1,193,000 | 1,793,000 | 2,399,000 |
| Net interest income | 537,000 | 1,110,000 | 1,674,000 | 2,249,000 |
| Noninterest income | 144,000 | 293,000 | 435,000 | 592,000 |
| Noninterest expense | 534,000 | 3,654,000 | 4,285,000 | 4,954,000 |
| Provision for loan losses | 46,000 | 46,000 | 46,000 | 541,000 |
| Pretax income | 101,000 | -2,297,000 | -2,222,000 | -2,654,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 101,000 | -2,297,000 | -2,222,000 | -2,654,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,056,000 | 6,907,000 | 6,983,000 | 7,551,000 |
| Total capital | 8,796,000 | 6,907,000 | 7,703,000 | 8,282,000 |
| Risk-weighted assets | 58,926,000 | 59,696,000 | 61,242,000 | 57,964,000 |