Call reports 2013
MONTROSEBANK — 2013
What MONTROSEBANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 229,123,000 | 221,976,000 | 224,850,000 | 227,746,000 |
| Total loans | 94,632,000 | 94,349,000 | 90,402,000 | 88,418,000 |
| Allowance for loan losses | 1,929,000 | 1,910,000 | 1,770,000 | 1,773,000 |
| Securities available for sale | 68,922,000 | 63,088,000 | 63,097,000 | 70,135,000 |
| Securities held to maturity | 37,041,000 | 46,562,000 | 48,446,000 | 50,381,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 204,472,000 | 197,930,000 | 200,624,000 | 203,785,000 |
| Interest-bearing deposits | 144,536,000 | 138,572,000 | 137,109,000 | 137,793,000 |
| Noninterest-bearing deposits | 59,936,000 | 59,358,000 | 63,515,000 | 65,992,000 |
| Equity capital | 24,295,000 | 23,593,000 | 23,613,000 | 23,695,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 2,094,000 | 4,115,000 | 6,196,000 | 8,322,000 |
| Interest expense | 90,000 | 174,000 | 254,000 | 333,000 |
| Net interest income | 2,004,000 | 3,941,000 | 5,942,000 | 7,989,000 |
| Noninterest income | 504,000 | 884,000 | 1,216,000 | 1,552,000 |
| Noninterest expense | 1,526,000 | 3,022,000 | 4,614,000 | 6,186,000 |
| Provision for loan losses | 0 | 0 | 77,000 | 77,000 |
| Pretax income | 982,000 | 1,803,000 | 2,467,000 | 3,278,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 982,000 | 1,803,000 | 2,467,000 | 3,278,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,565,000 | 21,737,000 | 21,782,000 | 22,068,000 |
| Total capital | 22,878,000 | 23,057,000 | 23,075,000 | 23,351,000 |
| Risk-weighted assets | 104,410,000 | 104,663,000 | 102,958,000 | 102,180,000 |