Call reports 2013
MONROE COUNTY BANK — 2013
What MONROE COUNTY BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 86,466,000 | 87,053,000 | 87,538,000 | 88,532,000 |
| Total loans | 57,639,000 | 59,145,000 | 58,908,000 | 59,978,000 |
| Allowance for loan losses | 1,224,000 | 1,215,000 | 1,236,000 | 1,266,000 |
| Securities available for sale | 6,000,000 | 6,000,000 | 6,000,000 | 6,000,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 78,513,000 | 79,006,000 | 79,409,000 | 80,367,000 |
| Interest-bearing deposits | 59,809,000 | 59,837,000 | 59,980,000 | 62,132,000 |
| Noninterest-bearing deposits | 18,705,000 | 19,169,000 | 19,428,000 | 18,235,000 |
| Equity capital | 7,787,000 | 7,844,000 | 7,910,000 | 7,989,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 937,000 | 1,914,000 | 2,897,000 | 3,887,000 |
| Interest expense | 225,000 | 449,000 | 672,000 | 897,000 |
| Net interest income | 712,000 | 1,465,000 | 2,225,000 | 2,990,000 |
| Noninterest income | 134,000 | 353,000 | 477,000 | 599,000 |
| Noninterest expense | 743,000 | 1,480,000 | 2,236,000 | 2,985,000 |
| Provision for loan losses | 60,000 | 239,000 | 299,000 | 359,000 |
| Pretax income | 43,000 | 99,000 | 167,000 | 245,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 43,000 | 99,000 | 167,000 | 245,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,787,000 | 7,843,000 | 7,910,000 | 7,989,000 |
| Total capital | 8,417,000 | 8,487,000 | 8,551,000 | 8,642,000 |
| Risk-weighted assets | 49,842,000 | 50,961,000 | 50,665,000 | 51,593,000 |