Call reports 2004
MONTROSEBANK — 2004
What MONTROSEBANK 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 | 101,082,000 | 103,063,000 | 108,759,000 | 119,629,000 |
| Total loans | 77,944,000 | 79,587,000 | 90,167,000 | 99,313,000 |
| Allowance for loan losses | 599,000 | 636,000 | 682,000 | 765,000 |
| Securities available for sale | 7,765,000 | 6,953,000 | 1,499,000 | 1,454,000 |
| Securities held to maturity | 6,404,000 | 5,937,000 | 5,581,000 | 5,064,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 92,030,000 | 93,757,000 | 98,753,000 | 109,055,000 |
| Interest-bearing deposits | 63,620,000 | 62,745,000 | 64,902,000 | 73,870,000 |
| Noninterest-bearing deposits | 28,410,000 | 31,012,000 | 33,851,000 | 35,185,000 |
| Equity capital | 8,883,000 | 9,061,000 | 9,677,000 | 10,406,000 |
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 | 1,511,000 | 3,265,000 | 5,026,000 | 6,965,000 |
| Interest expense | 164,000 | 319,000 | 474,000 | 659,000 |
| Net interest income | 1,347,000 | 2,946,000 | 4,552,000 | 6,306,000 |
| Noninterest income | 178,000 | 318,000 | 463,000 | 610,000 |
| Noninterest expense | 861,000 | 1,763,000 | 2,714,000 | 3,683,000 |
| Provision for loan losses | 36,000 | 75,000 | 121,000 | 204,000 |
| Pretax income | 629,000 | 1,427,000 | 2,178,000 | 3,027,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 629,000 | 1,427,000 | 2,178,000 | 3,027,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,828,000 | 8,126,000 | 8,695,000 | 9,428,000 |
| Total capital | 8,427,000 | 8,762,000 | 9,377,000 | 10,193,000 |
| Risk-weighted assets | 76,514,000 | 80,775,000 | 87,717,000 | 98,034,000 |
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