Call reports 2011
MONROE COUNTY BANK — 2011
What MONROE COUNTY BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 94,215,000 | 91,571,000 | 92,174,000 | 94,329,000 |
| Total loans | 61,547,000 | 60,872,000 | 60,432,000 | 61,058,000 |
| Allowance for loan losses | 1,534,000 | 1,465,000 | 1,394,000 | 1,496,000 |
| Securities available for sale | 6,097,000 | 6,100,000 | 7,099,000 | 6,000,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 86,036,000 | 83,419,000 | 84,143,000 | 86,023,000 |
| Interest-bearing deposits | 63,509,000 | 62,276,000 | 70,134,000 | 71,687,000 |
| Noninterest-bearing deposits | 22,527,000 | 21,143,000 | 14,009,000 | 14,336,000 |
| Equity capital | 7,900,000 | 7,853,000 | 7,754,000 | 8,033,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,022,000 | 2,041,000 | 3,012,000 | 4,010,000 |
| Interest expense | 540,000 | 1,057,000 | 1,563,000 | 2,061,000 |
| Net interest income | 482,000 | 984,000 | 1,449,000 | 1,949,000 |
| Noninterest income | 122,000 | 267,000 | 391,000 | 402,000 |
| Noninterest expense | 670,000 | 1,365,000 | 2,102,000 | 2,828,000 |
| Provision for loan losses | 0 | 100,000 | 150,000 | 455,000 |
| Pretax income | -66,000 | -214,000 | -412,000 | -932,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -66,000 | -214,000 | -412,000 | -932,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,899,000 | 7,851,000 | 7,753,000 | 8,033,000 |
| Total capital | 8,545,000 | 8,494,000 | 8,410,000 | 8,703,000 |
| Risk-weighted assets | 50,762,000 | 50,613,000 | 51,824,000 | 52,559,000 |