Call reports 2007
MONROE BANK — 2007
What MONROE BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 747,268,000 | 758,649,000 | 750,998,000 | 774,070,000 |
| Total loans | 562,724,000 | 563,989,000 | 564,904,000 | 584,831,000 |
| Allowance for loan losses | 6,216,000 | 6,487,000 | 6,147,000 | 6,654,000 |
| Securities available for sale | 121,043,000 | 120,330,000 | 122,928,000 | 125,307,000 |
| Securities held to maturity | 1,008,000 | 1,007,000 | 1,007,000 | 1,006,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 595,077,000 | 614,708,000 | 611,585,000 | 619,810,000 |
| Interest-bearing deposits | 510,286,000 | 531,456,000 | 533,630,000 | 538,175,000 |
| Noninterest-bearing deposits | 84,791,000 | 83,252,000 | 77,955,000 | 81,635,000 |
| Equity capital | 59,320,000 | 59,383,000 | 60,776,000 | 62,025,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 11,818,000 | 24,033,000 | 36,235,000 | 48,332,000 |
| Interest expense | 6,032,000 | 12,282,000 | 18,665,000 | 24,919,000 |
| Net interest income | 5,786,000 | 11,751,000 | 17,570,000 | 23,413,000 |
| Noninterest income | 2,407,000 | 4,967,000 | 7,560,000 | 10,086,000 |
| Noninterest expense | 4,972,000 | 10,057,000 | 15,221,000 | 20,154,000 |
| Provision for loan losses | 285,000 | 540,000 | 885,000 | 2,035,000 |
| Pretax income | 2,936,000 | 6,121,000 | 9,025,000 | 11,311,000 |
| Income tax | 841,000 | 1,730,000 | 2,525,000 | 3,080,000 |
| Net income | 2,095,000 | 4,391,000 | 6,500,000 | 8,231,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 60,101,000 | 60,704,000 | 61,103,000 | 61,776,000 |
| Total capital | 66,317,000 | 67,191,000 | 67,250,000 | 68,430,000 |
| Risk-weighted assets | 577,328,000 | 582,190,000 | 576,076,000 | 604,062,000 |
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