Call reports 2003
MONTROSE SAVINGS BANK — 2003
What MONTROSE SAVINGS BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 34,447,000 | 34,262,000 | 33,924,000 | 34,213,000 |
| Total loans | 18,452,000 | 18,907,000 | 18,707,000 | 19,141,000 |
| Allowance for loan losses | 448,000 | 437,000 | 435,000 | 428,000 |
| Securities available for sale | 11,795,000 | 10,964,000 | 10,711,000 | 10,724,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 29,786,000 | 29,533,000 | 29,105,000 | 29,300,000 |
| Interest-bearing deposits | 27,155,000 | 27,039,000 | 26,410,000 | 26,472,000 |
| Noninterest-bearing deposits | 2,631,000 | 2,494,000 | 2,695,000 | 2,828,000 |
| Equity capital | 4,297,000 | 4,411,000 | 4,505,000 | 4,648,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 483,000 | 964,000 | 1,420,000 | 1,872,000 |
| Interest expense | 154,000 | 293,000 | 415,000 | 525,000 |
| Net interest income | 329,000 | 671,000 | 1,005,000 | 1,347,000 |
| Noninterest income | 28,000 | 48,000 | 70,000 | 93,000 |
| Noninterest expense | 158,000 | 322,000 | 469,000 | 654,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 199,000 | 397,000 | 606,000 | 786,000 |
| Income tax | 74,000 | 146,000 | 219,000 | 239,000 |
| Net income | 125,000 | 251,000 | 387,000 | 547,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,143,000 | 4,269,000 | 4,405,000 | 4,565,000 |
| Total capital | 4,392,000 | 4,520,000 | 4,653,000 | 4,817,000 |
| Risk-weighted assets | 19,688,000 | 19,931,000 | 19,671,000 | 19,965,000 |