Call reports 2002
MONTROSE SAVINGS BANK — 2002
What MONTROSE SAVINGS BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 35,767,000 | 33,345,000 | 32,986,000 | 33,258,000 |
| Total loans | 16,445,000 | 17,415,000 | 17,389,000 | 17,397,000 |
| Allowance for loan losses | 403,000 | 453,000 | 454,000 | 456,000 |
| Securities available for sale | 12,752,000 | 13,323,000 | 12,204,000 | 12,296,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 31,455,000 | 28,949,000 | 28,389,000 | 28,586,000 |
| Interest-bearing deposits | 28,839,000 | 26,528,000 | 25,952,000 | 26,179,000 |
| Noninterest-bearing deposits | 2,616,000 | 2,421,000 | 2,437,000 | 2,407,000 |
| Equity capital | 3,969,000 | 4,055,000 | 4,221,000 | 4,350,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 531,000 | 1,086,000 | 1,597,000 | 2,094,000 |
| Interest expense | 246,000 | 455,000 | 641,000 | 811,000 |
| Net interest income | 285,000 | 631,000 | 956,000 | 1,283,000 |
| Noninterest income | 27,000 | 48,000 | 71,000 | 105,000 |
| Noninterest expense | 146,000 | 291,000 | 434,000 | 637,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 166,000 | 388,000 | 593,000 | 751,000 |
| Income tax | 69,000 | 179,000 | 253,000 | 273,000 |
| Net income | 97,000 | 209,000 | 340,000 | 478,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,884,000 | 3,886,000 | 4,017,000 | 4,156,000 |
| Total capital | 4,118,000 | 4,124,000 | 4,253,000 | 4,392,000 |
| Risk-weighted assets | 18,512,000 | 18,824,000 | 18,641,000 | 18,655,000 |