Call reports 2010
MONTROSEBANK — 2010
What MONTROSEBANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 205,238,000 | 201,103,000 | 205,268,000 | 208,477,000 |
| Total loans | 144,641,000 | 138,890,000 | 140,229,000 | 137,870,000 |
| Allowance for loan losses | 1,464,000 | 1,521,000 | 1,631,000 | 1,923,000 |
| Securities available for sale | 34,827,000 | 38,616,000 | 40,671,000 | 41,564,000 |
| Securities held to maturity | 6,496,000 | 6,301,000 | 6,134,000 | 5,594,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 184,521,000 | 179,952,000 | 183,301,000 | 187,511,000 |
| Interest-bearing deposits | 136,893,000 | 134,079,000 | 133,937,000 | 135,662,000 |
| Noninterest-bearing deposits | 47,628,000 | 45,873,000 | 49,364,000 | 51,849,000 |
| Equity capital | 20,371,000 | 20,700,000 | 21,348,000 | 20,673,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 2,788,000 | 5,615,000 | 8,442,000 | 11,274,000 |
| Interest expense | 387,000 | 724,000 | 1,022,000 | 1,296,000 |
| Net interest income | 2,401,000 | 4,891,000 | 7,420,000 | 9,978,000 |
| Noninterest income | 386,000 | 763,000 | 1,154,000 | 1,597,000 |
| Noninterest expense | 1,493,000 | 3,054,000 | 4,629,000 | 6,225,000 |
| Provision for loan losses | 44,000 | 109,000 | 233,000 | 979,000 |
| Pretax income | 1,250,000 | 2,489,000 | 3,704,000 | 4,363,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,250,000 | 2,489,000 | 3,704,000 | 4,363,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,622,000 | 18,955,000 | 19,254,000 | 19,134,000 |
| Total capital | 20,086,000 | 20,476,000 | 20,885,000 | 20,843,000 |
| Risk-weighted assets | 152,310,000 | 140,444,000 | 140,484,000 | 136,187,000 |
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