Call reports 2012
MONROE COUNTY BANK — 2012
What MONROE COUNTY BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 92,937,000 | 92,511,000 | 86,963,000 | 84,353,000 |
| Total loans | 59,650,000 | 59,427,000 | 56,984,000 | 56,728,000 |
| Allowance for loan losses | 1,305,000 | 1,267,000 | 1,231,000 | 1,194,000 |
| Securities available for sale | 5,997,000 | 5,998,000 | 5,996,000 | 5,999,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 84,721,000 | 84,392,000 | 78,975,000 | 76,417,000 |
| Interest-bearing deposits | 68,555,000 | 66,838,000 | 61,486,000 | 59,825,000 |
| Noninterest-bearing deposits | 16,166,000 | 17,554,000 | 17,489,000 | 16,592,000 |
| Equity capital | 7,950,000 | 7,851,000 | 7,788,000 | 7,745,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 977,000 | 1,943,000 | 2,892,000 | 3,866,000 |
| Interest expense | 439,000 | 838,000 | 1,153,000 | 1,408,000 |
| Net interest income | 538,000 | 1,105,000 | 1,739,000 | 2,458,000 |
| Noninterest income | 113,000 | 176,000 | 254,000 | 271,000 |
| Noninterest expense | 704,000 | 1,443,000 | 2,173,000 | 3,223,000 |
| Provision for loan losses | 30,000 | 220,000 | 265,000 | 295,000 |
| Pretax income | -83,000 | -382,000 | -445,000 | -789,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -83,000 | -382,000 | -445,000 | -789,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,950,000 | 7,851,000 | 7,788,000 | 7,744,000 |
| Total capital | 8,597,000 | 8,502,000 | 8,410,000 | 8,362,000 |
| Risk-weighted assets | 51,067,000 | 51,484,000 | 49,187,000 | 48,859,000 |