Call reports 2005
MONTROSEBANK — 2005
What MONTROSEBANK 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 | 123,890,000 | 129,197,000 | 136,909,000 | 137,042,000 |
| Total loans | 101,957,000 | 108,674,000 | 113,320,000 | 116,677,000 |
| Allowance for loan losses | 831,000 | 882,000 | 942,000 | 1,004,000 |
| Securities available for sale | 1,600,000 | 1,770,000 | 2,045,000 | 2,043,000 |
| Securities held to maturity | 5,289,000 | 5,352,000 | 5,114,000 | 4,655,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 112,957,000 | 117,805,000 | 124,656,000 | 124,660,000 |
| Interest-bearing deposits | 75,858,000 | 80,028,000 | 81,888,000 | 81,249,000 |
| Noninterest-bearing deposits | 37,099,000 | 37,777,000 | 42,768,000 | 43,411,000 |
| Equity capital | 10,663,000 | 11,074,000 | 11,773,000 | 12,209,000 |
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 | 1,978,000 | 4,232,000 | 6,667,000 | 9,159,000 |
| Interest expense | 249,000 | 569,000 | 973,000 | 1,418,000 |
| Net interest income | 1,729,000 | 3,663,000 | 5,694,000 | 7,741,000 |
| Noninterest income | 145,000 | 294,000 | 456,000 | 633,000 |
| Noninterest expense | 1,098,000 | 2,196,000 | 3,283,000 | 4,555,000 |
| Provision for loan losses | 67,000 | 132,000 | 195,000 | 258,000 |
| Pretax income | 709,000 | 1,629,000 | 2,671,000 | 3,560,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 709,000 | 1,629,000 | 2,671,000 | 3,560,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,691,000 | 10,099,000 | 10,805,000 | 11,248,000 |
| Total capital | 10,522,000 | 10,981,000 | 11,747,000 | 12,252,000 |
| Risk-weighted assets | 102,221,000 | 109,532,000 | 115,985,000 | 117,835,000 |
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