Call reports 2001
MONTROSE SAVINGS BANK — 2001
What MONTROSE SAVINGS BANK reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 30,699,000 | 32,689,000 | 33,841,000 | 34,703,000 |
| Total loans | 16,244,000 | 16,136,000 | 15,654,000 | 16,454,000 |
| Allowance for loan losses | 439,000 | 442,000 | 444,000 | 433,000 |
| Securities available for sale | 10,869,000 | 12,136,000 | 13,378,000 | 12,998,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 26,646,000 | 28,613,000 | 29,522,000 | 30,370,000 |
| Interest-bearing deposits | 24,316,000 | 26,158,000 | 27,354,000 | 27,833,000 |
| Noninterest-bearing deposits | 2,330,000 | 2,455,000 | 2,168,000 | 2,537,000 |
| Equity capital | 3,691,000 | 3,685,000 | 3,865,000 | 3,940,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 596,000 | 1,178,000 | 1,758,000 | 2,310,000 |
| Interest expense | 276,000 | 577,000 | 878,000 | 1,155,000 |
| Net interest income | 320,000 | 601,000 | 880,000 | 1,155,000 |
| Noninterest income | 17,000 | 36,000 | 56,000 | 78,000 |
| Noninterest expense | 149,000 | 298,000 | 435,000 | 613,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 188,000 | 339,000 | 501,000 | 620,000 |
| Income tax | 90,000 | 155,000 | 221,000 | 226,000 |
| Net income | 98,000 | 184,000 | 280,000 | 394,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,602,000 | 3,577,000 | 3,673,000 | 3,787,000 |
| Total capital | 3,817,000 | 3,799,000 | 3,893,000 | 4,017,000 |
| Risk-weighted assets | 16,946,000 | 17,531,000 | 17,371,000 | 18,195,000 |