Call reports 2003
MONROE BANK — 2003
What MONROE BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 550,415,000 | 570,662,000 | 561,567,000 | 584,539,000 |
| Total loans | 401,881,000 | 414,190,000 | 410,151,000 | 424,511,000 |
| Allowance for loan losses | 4,680,000 | 5,878,000 | 6,246,000 | 5,019,000 |
| Securities available for sale | 49,874,000 | 55,063,000 | 57,966,000 | 65,125,000 |
| Securities held to maturity | 52,108,000 | 48,297,000 | 41,004,000 | 39,797,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 418,697,000 | 430,353,000 | 426,597,000 | 436,729,000 |
| Interest-bearing deposits | 356,139,000 | 369,871,000 | 357,829,000 | 363,104,000 |
| Noninterest-bearing deposits | 62,558,000 | 60,482,000 | 68,768,000 | 73,625,000 |
| Equity capital | 44,762,000 | 44,535,000 | 44,953,000 | 43,912,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 7,011,000 | 14,042,000 | 21,006,000 | 27,878,000 |
| Interest expense | 2,310,000 | 4,597,000 | 6,736,000 | 8,797,000 |
| Net interest income | 4,701,000 | 9,445,000 | 14,270,000 | 19,081,000 |
| Noninterest income | 1,711,000 | 3,625,000 | 5,699,000 | 7,566,000 |
| Noninterest expense | 3,701,000 | 7,766,000 | 11,844,000 | 15,758,000 |
| Provision for loan losses | 405,000 | 3,110,000 | 3,515,000 | 3,920,000 |
| Pretax income | 2,307,000 | 2,365,000 | 4,781,000 | 7,140,000 |
| Income tax | 751,000 | 542,000 | 1,320,000 | 2,073,000 |
| Net income | 1,556,000 | 1,823,000 | 3,461,000 | 5,067,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 44,173,000 | 43,709,000 | 44,466,000 | 43,506,000 |
| Total capital | 48,860,000 | 48,571,000 | 49,415,000 | 48,525,000 |
| Risk-weighted assets | 374,906,000 | 387,981,000 | 394,660,000 | 408,902,000 |