Call reports 2007
MONTROSEBANK — 2007
What MONTROSEBANK 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 | 172,085,000 | 171,641,000 | 179,279,000 | 186,473,000 |
| Total loans | 136,712,000 | 140,754,000 | 145,790,000 | 139,239,000 |
| Allowance for loan losses | 1,237,000 | 1,286,000 | 1,250,000 | 1,242,000 |
| Securities available for sale | 10,174,000 | 11,622,000 | 11,603,000 | 14,081,000 |
| Securities held to maturity | 3,789,000 | 3,757,000 | 3,722,000 | 5,513,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 156,658,000 | 155,768,000 | 162,435,000 | 169,477,000 |
| Interest-bearing deposits | 107,451,000 | 107,067,000 | 111,497,000 | 119,170,000 |
| Noninterest-bearing deposits | 49,207,000 | 48,701,000 | 50,938,000 | 50,307,000 |
| Equity capital | 14,977,000 | 15,317,000 | 16,129,000 | 16,586,000 |
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 | 3,084,000 | 6,357,000 | 9,651,000 | 12,941,000 |
| Interest expense | 943,000 | 1,950,000 | 2,993,000 | 4,050,000 |
| Net interest income | 2,141,000 | 4,407,000 | 6,658,000 | 8,891,000 |
| Noninterest income | 285,000 | 609,000 | 982,000 | 1,328,000 |
| Noninterest expense | 1,304,000 | 2,602,000 | 3,964,000 | 5,406,000 |
| Provision for loan losses | 61,000 | 112,000 | 112,000 | 112,000 |
| Pretax income | 1,061,000 | 2,302,000 | 3,564,000 | 4,701,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,061,000 | 2,302,000 | 3,564,000 | 4,701,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,981,000 | 14,487,000 | 15,133,000 | 15,560,000 |
| Total capital | 15,218,000 | 15,773,000 | 16,383,000 | 16,802,000 |
| Risk-weighted assets | 139,231,000 | 144,131,000 | 148,420,000 | 144,707,000 |
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