Call reports 2011
MONTROSEBANK — 2011
What MONTROSEBANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 211,064,000 | 211,656,000 | 219,507,000 | 221,393,000 |
| Total loans | 131,823,000 | 123,492,000 | 121,575,000 | 117,325,000 |
| Allowance for loan losses | 2,274,000 | 2,345,000 | 2,214,000 | 2,147,000 |
| Securities available for sale | 53,633,000 | 61,712,000 | 71,131,000 | 75,709,000 |
| Securities held to maturity | 5,449,000 | 5,239,000 | 4,871,000 | 5,433,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 189,779,000 | 189,437,000 | 196,363,000 | 198,081,000 |
| Interest-bearing deposits | 136,425,000 | 139,140,000 | 138,837,000 | 140,173,000 |
| Noninterest-bearing deposits | 53,354,000 | 50,297,000 | 57,526,000 | 57,908,000 |
| Equity capital | 20,943,000 | 21,768,000 | 22,562,000 | 23,059,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 2,692,000 | 5,381,000 | 8,000,000 | 10,574,000 |
| Interest expense | 245,000 | 466,000 | 626,000 | 758,000 |
| Net interest income | 2,447,000 | 4,915,000 | 7,374,000 | 9,816,000 |
| Noninterest income | 386,000 | 755,000 | 1,106,000 | 1,495,000 |
| Noninterest expense | 1,549,000 | 3,204,000 | 4,904,000 | 6,314,000 |
| Provision for loan losses | 513,000 | 634,000 | 724,000 | 967,000 |
| Pretax income | 771,000 | 1,861,000 | 2,904,000 | 4,082,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 771,000 | 1,861,000 | 2,904,000 | 4,082,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,167,000 | 19,538,000 | 19,836,000 | 20,364,000 |
| Total capital | 20,825,000 | 21,121,000 | 21,418,000 | 21,889,000 |
| Risk-weighted assets | 133,056,000 | 125,955,000 | 125,919,000 | 121,254,000 |