Call reports 2009
MONTROSEBANK — 2009
What MONTROSEBANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 187,233,000 | 191,998,000 | 202,904,000 | 201,398,000 |
| Total loans | 149,991,000 | 150,851,000 | 149,268,000 | 146,210,000 |
| Allowance for loan losses | 1,312,000 | 1,352,000 | 1,392,000 | 1,424,000 |
| Securities available for sale | 11,743,000 | 16,061,000 | 25,112,000 | 30,928,000 |
| Securities held to maturity | 7,243,000 | 7,057,000 | 6,886,000 | 6,700,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 168,141,000 | 172,400,000 | 182,417,000 | 181,431,000 |
| Interest-bearing deposits | 121,128,000 | 127,185,000 | 135,662,000 | 131,932,000 |
| Noninterest-bearing deposits | 47,013,000 | 45,215,000 | 46,755,000 | 49,499,000 |
| Equity capital | 18,717,000 | 19,010,000 | 19,806,000 | 19,688,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 2,852,000 | 5,775,000 | 8,701,000 | 11,693,000 |
| Interest expense | 554,000 | 1,096,000 | 1,604,000 | 2,041,000 |
| Net interest income | 2,298,000 | 4,679,000 | 7,097,000 | 9,652,000 |
| Noninterest income | 531,000 | 1,010,000 | 1,442,000 | 1,832,000 |
| Noninterest expense | 1,506,000 | 3,168,000 | 4,756,000 | 6,354,000 |
| Provision for loan losses | 59,000 | 197,000 | 251,000 | 429,000 |
| Pretax income | 1,264,000 | 2,324,000 | 3,532,000 | 4,701,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,264,000 | 2,324,000 | 3,532,000 | 4,701,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,570,000 | 17,858,000 | 18,248,000 | 18,288,000 |
| Total capital | 18,882,000 | 19,210,000 | 19,640,000 | 19,712,000 |
| Risk-weighted assets | 147,365,000 | 143,893,000 | 145,064,000 | 143,951,000 |
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