Call reports 2008
MONTROSEBANK — 2008
What MONTROSEBANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 191,198,000 | 184,986,000 | 188,988,000 | 186,692,000 |
| Total loans | 141,474,000 | 143,558,000 | 152,293,000 | 154,508,000 |
| Allowance for loan losses | 1,242,000 | 1,210,000 | 1,246,000 | 1,280,000 |
| Securities available for sale | 16,602,000 | 15,437,000 | 12,316,000 | 11,714,000 |
| Securities held to maturity | 8,293,000 | 8,279,000 | 8,070,000 | 7,499,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 173,807,000 | 163,465,000 | 168,562,000 | 163,177,000 |
| Interest-bearing deposits | 121,680,000 | 115,393,000 | 116,330,000 | 114,971,000 |
| Noninterest-bearing deposits | 52,127,000 | 48,072,000 | 52,232,000 | 48,206,000 |
| Equity capital | 16,941,000 | 17,092,000 | 17,552,000 | 18,218,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 3,103,000 | 6,088,000 | 9,087,000 | 12,091,000 |
| Interest expense | 902,000 | 1,609,000 | 2,262,000 | 2,878,000 |
| Net interest income | 2,201,000 | 4,479,000 | 6,825,000 | 9,213,000 |
| Noninterest income | 360,000 | 688,000 | 1,071,000 | 1,477,000 |
| Noninterest expense | 1,400,000 | 2,838,000 | 4,304,000 | 5,841,000 |
| Provision for loan losses | 0 | 43,000 | 251,000 | 290,000 |
| Pretax income | 1,161,000 | 2,286,000 | 3,373,000 | 4,593,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,161,000 | 2,286,000 | 3,373,000 | 4,593,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,716,000 | 16,149,000 | 16,559,000 | 17,113,000 |
| Total capital | 16,958,000 | 17,359,000 | 17,805,000 | 18,393,000 |
| Risk-weighted assets | 145,515,000 | 145,167,000 | 152,018,000 | 152,740,000 |
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