Call reports 2010
MONROE COUNTY BANK — 2010
What MONROE COUNTY BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 92,791,000 | 91,513,000 | 91,495,000 | 92,476,000 |
| Total loans | 63,699,000 | 63,021,000 | 63,641,000 | 62,148,000 |
| Allowance for loan losses | 1,273,000 | 1,313,000 | 1,244,000 | 1,550,000 |
| Securities available for sale | 5,020,000 | 5,016,000 | 5,009,000 | 6,093,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 84,891,000 | 83,617,000 | 83,513,000 | 84,229,000 |
| Interest-bearing deposits | 74,378,000 | 64,020,000 | 62,624,000 | 62,354,000 |
| Noninterest-bearing deposits | 10,513,000 | 19,597,000 | 20,889,000 | 21,875,000 |
| Equity capital | 7,569,000 | 7,546,000 | 7,655,000 | 7,965,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,131,000 | 2,287,000 | 3,371,000 | 4,434,000 |
| Interest expense | 583,000 | 1,170,000 | 1,742,000 | 2,301,000 |
| Net interest income | 548,000 | 1,117,000 | 1,629,000 | 2,133,000 |
| Noninterest income | 132,000 | 204,000 | 343,000 | 342,000 |
| Noninterest expense | 627,000 | 1,255,000 | 1,918,000 | 2,576,000 |
| Provision for loan losses | 30,000 | 70,000 | 100,000 | 1,048,000 |
| Pretax income | 23,000 | -4,000 | -46,000 | -1,149,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 23,000 | -4,000 | -46,000 | -1,149,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,574,000 | 7,547,000 | 7,654,000 | 7,966,000 |
| Total capital | 8,295,000 | 8,228,000 | 8,337,000 | 8,649,000 |
| Risk-weighted assets | 57,154,000 | 53,875,000 | 54,149,000 | 53,808,000 |