Call reports 2004
MONTROSE SAVINGS BANK — 2004
What MONTROSE SAVINGS BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 34,725,000 | 33,054,000 | 33,242,000 | 32,764,000 |
| Total loans | 18,732,000 | 18,628,000 | 18,540,000 | 18,303,000 |
| Allowance for loan losses | 431,000 | 425,000 | 349,000 | 358,000 |
| Securities available for sale | 11,498,000 | 10,973,000 | 10,717,000 | 11,023,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 30,263,000 | 28,707,000 | 28,685,000 | 28,141,000 |
| Interest-bearing deposits | 26,838,000 | 25,758,000 | 25,871,000 | 24,936,000 |
| Noninterest-bearing deposits | 3,425,000 | 2,949,000 | 2,814,000 | 3,205,000 |
| Equity capital | 4,216,000 | 4,215,000 | 4,398,000 | 4,448,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 426,000 | 851,000 | 1,271,000 | 1,689,000 |
| Interest expense | 106,000 | 209,000 | 312,000 | 416,000 |
| Net interest income | 320,000 | 642,000 | 959,000 | 1,273,000 |
| Noninterest income | 31,000 | 46,000 | 69,000 | 92,000 |
| Noninterest expense | 174,000 | 340,000 | 496,000 | 679,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 177,000 | 348,000 | 532,000 | 686,000 |
| Income tax | 62,000 | 127,000 | 181,000 | 240,000 |
| Net income | 115,000 | 221,000 | 351,000 | 446,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,130,000 | 4,236,000 | 4,366,000 | 4,460,000 |
| Total capital | 4,381,000 | 4,483,000 | 4,613,000 | 4,706,000 |
| Risk-weighted assets | 19,904,000 | 19,622,000 | 19,658,000 | 19,601,000 |