Call reports 2005
MONROE BANK — 2005
What MONROE BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 641,855,000 | 672,661,000 | 675,439,000 | 709,839,000 |
| Total loans | 489,079,000 | 505,315,000 | 511,752,000 | 525,466,000 |
| Allowance for loan losses | 5,450,000 | 5,608,000 | 5,523,000 | 5,585,000 |
| Securities available for sale | 98,519,000 | 104,500,000 | 105,229,000 | 116,311,000 |
| Securities held to maturity | 7,807,000 | 5,481,000 | 5,114,000 | 2,353,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 513,887,000 | 529,593,000 | 539,840,000 | 576,294,000 |
| Interest-bearing deposits | 430,539,000 | 433,196,000 | 447,565,000 | 490,984,000 |
| Noninterest-bearing deposits | 83,348,000 | 96,397,000 | 92,275,000 | 85,310,000 |
| Equity capital | 47,330,000 | 48,857,000 | 49,747,000 | 50,546,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 7,773,000 | 16,141,000 | 25,170,000 | 34,798,000 |
| Interest expense | 2,765,000 | 5,966,000 | 9,671,000 | 14,025,000 |
| Net interest income | 5,008,000 | 10,175,000 | 15,499,000 | 20,773,000 |
| Noninterest income | 2,011,000 | 4,392,000 | 6,844,000 | 9,006,000 |
| Noninterest expense | 4,290,000 | 8,703,000 | 13,320,000 | 17,795,000 |
| Provision for loan losses | 330,000 | 660,000 | 900,000 | 1,140,000 |
| Pretax income | 2,463,000 | 5,302,000 | 8,205,000 | 10,926,000 |
| Income tax | 819,000 | 1,785,000 | 2,779,000 | 3,680,000 |
| Net income | 1,644,000 | 3,517,000 | 5,426,000 | 7,246,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 48,323,000 | 49,410,000 | 50,543,000 | 51,758,000 |
| Total capital | 53,773,000 | 55,018,000 | 56,066,000 | 57,343,000 |
| Risk-weighted assets | 469,309,000 | 491,370,000 | 497,258,000 | 520,750,000 |