Call reports 2014
MONTROSEBANK — 2014
What MONTROSEBANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 234,817,000 | 233,270,000 | 235,268,000 | 238,443,000 |
| Total loans | 84,906,000 | 84,928,000 | 83,108,000 | 81,138,000 |
| Allowance for loan losses | 1,605,000 | 1,505,000 | 1,513,000 | 1,492,000 |
| Securities available for sale | 72,524,000 | 74,342,000 | 75,094,000 | 83,252,000 |
| Securities held to maturity | 53,388,000 | 52,632,000 | 52,624,000 | 50,126,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 210,412,000 | 208,372,000 | 210,084,000 | 213,291,000 |
| Interest-bearing deposits | 141,427,000 | 141,008,000 | 140,734,000 | 139,956,000 |
| Noninterest-bearing deposits | 68,985,000 | 67,364,000 | 69,350,000 | 73,335,000 |
| Equity capital | 24,065,000 | 24,455,000 | 24,606,000 | 25,002,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 2,052,000 | 4,137,000 | 6,152,000 | 8,146,000 |
| Interest expense | 76,000 | 152,000 | 230,000 | 307,000 |
| Net interest income | 1,976,000 | 3,985,000 | 5,922,000 | 7,839,000 |
| Noninterest income | 377,000 | 688,000 | 988,000 | 1,407,000 |
| Noninterest expense | 1,540,000 | 3,076,000 | 4,540,000 | 5,833,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 813,000 | 1,602,000 | 2,407,000 | 3,463,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 813,000 | 1,602,000 | 2,407,000 | 3,463,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,246,000 | 22,330,000 | 22,595,000 | 22,961,000 |
| Total capital | 23,518,000 | 23,615,000 | 23,852,000 | 23,965,000 |
| Risk-weighted assets | 101,446,000 | 102,602,000 | 100,335,000 | 100,474,000 |
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