Call reports 2012
MONTROSEBANK — 2012
What MONTROSEBANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 225,035,000 | 219,616,000 | 223,931,000 | 226,515,000 |
| Total loans | 112,067,000 | 108,928,000 | 105,313,000 | 98,764,000 |
| Allowance for loan losses | 2,157,000 | 2,206,000 | 2,308,000 | 2,025,000 |
| Securities available for sale | 80,557,000 | 80,145,000 | 81,718,000 | 73,893,000 |
| Securities held to maturity | 8,212,000 | 8,335,000 | 18,158,000 | 31,080,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 201,236,000 | 195,525,000 | 199,138,000 | 202,229,000 |
| Interest-bearing deposits | 142,920,000 | 139,381,000 | 139,199,000 | 137,493,000 |
| Noninterest-bearing deposits | 58,316,000 | 56,144,000 | 59,939,000 | 64,736,000 |
| Equity capital | 23,488,000 | 23,677,000 | 24,230,000 | 24,049,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 2,451,000 | 4,830,000 | 7,136,000 | 9,325,000 |
| Interest expense | 123,000 | 235,000 | 343,000 | 446,000 |
| Net interest income | 2,328,000 | 4,595,000 | 6,793,000 | 8,879,000 |
| Noninterest income | 378,000 | 698,000 | 1,017,000 | 1,424,000 |
| Noninterest expense | 1,533,000 | 3,042,000 | 4,633,000 | 6,241,000 |
| Provision for loan losses | 171,000 | 610,000 | 754,000 | 1,050,000 |
| Pretax income | 1,002,000 | 1,659,000 | 2,460,000 | 3,061,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,002,000 | 1,659,000 | 2,460,000 | 3,061,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,709,000 | 20,760,000 | 21,059,000 | 21,226,000 |
| Total capital | 22,182,000 | 22,193,000 | 22,450,000 | 22,575,000 |
| Risk-weighted assets | 117,223,000 | 113,834,000 | 110,391,000 | 107,864,000 |