Call reports 2004
MONROE BANK — 2004
What MONROE BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 592,553,000 | 603,902,000 | 617,011,000 | 630,901,000 |
| Total loans | 440,965,000 | 453,975,000 | 457,332,000 | 477,085,000 |
| Allowance for loan losses | 5,027,000 | 5,258,000 | 4,830,000 | 5,194,000 |
| Securities available for sale | 77,886,000 | 84,780,000 | 93,850,000 | 96,415,000 |
| Securities held to maturity | 28,205,000 | 20,681,000 | 14,684,000 | 10,492,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 454,552,000 | 446,570,000 | 464,046,000 | 483,705,000 |
| Interest-bearing deposits | 385,523,000 | 375,728,000 | 368,817,000 | 412,391,000 |
| Noninterest-bearing deposits | 69,029,000 | 70,842,000 | 95,229,000 | 71,314,000 |
| Equity capital | 45,041,000 | 45,054,000 | 46,556,000 | 47,173,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 6,883,000 | 13,947,000 | 21,142,000 | 28,655,000 |
| Interest expense | 2,034,000 | 4,116,000 | 6,372,000 | 8,868,000 |
| Net interest income | 4,849,000 | 9,831,000 | 14,770,000 | 19,787,000 |
| Noninterest income | 1,850,000 | 3,800,000 | 5,794,000 | 7,844,000 |
| Noninterest expense | 4,072,000 | 8,329,000 | 12,444,000 | 16,590,000 |
| Provision for loan losses | 330,000 | 660,000 | 990,000 | 1,320,000 |
| Pretax income | 2,435,000 | 4,780,000 | 7,365,000 | 9,956,000 |
| Income tax | 769,000 | 1,534,000 | 2,372,000 | 3,238,000 |
| Net income | 1,666,000 | 3,246,000 | 4,993,000 | 6,718,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 44,514,000 | 45,482,000 | 46,461,000 | 47,371,000 |
| Total capital | 49,541,000 | 50,740,000 | 51,291,000 | 52,565,000 |
| Risk-weighted assets | 431,837,000 | 434,522,000 | 441,589,000 | 456,808,000 |