Call reports 2005
MONTROSE SAVINGS BANK — 2005
What MONTROSE SAVINGS BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 32,927,000 | 32,642,000 | 31,866,000 | 33,384,000 |
| Total loans | 18,114,000 | 18,038,000 | 18,366,000 | 18,777,000 |
| Allowance for loan losses | 357,000 | 346,000 | 299,000 | 282,000 |
| Securities available for sale | 11,835,000 | 11,865,000 | 11,108,000 | 10,252,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 28,526,000 | 28,176,000 | 27,317,000 | 28,788,000 |
| Interest-bearing deposits | 25,190,000 | 25,127,000 | 24,511,000 | 25,095,000 |
| Noninterest-bearing deposits | 3,336,000 | 3,049,000 | 2,806,000 | 3,693,000 |
| Equity capital | 4,215,000 | 4,323,000 | 4,410,000 | 4,511,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 419,000 | 838,000 | 1,257,000 | 1,697,000 |
| Interest expense | 107,000 | 222,000 | 345,000 | 478,000 |
| Net interest income | 312,000 | 616,000 | 912,000 | 1,219,000 |
| Noninterest income | 28,000 | 51,000 | 77,000 | 98,000 |
| Noninterest expense | 170,000 | 352,000 | 520,000 | 717,000 |
| Provision for loan losses | 0 | 0 | 0 | 4,000 |
| Pretax income | 170,000 | 315,000 | 469,000 | 596,000 |
| Income tax | 67,000 | 121,000 | 173,000 | 177,000 |
| Net income | 103,000 | 194,000 | 296,000 | 419,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,288,000 | 4,379,000 | 4,482,000 | 4,605,000 |
| Total capital | 4,531,000 | 4,623,000 | 4,728,000 | 4,862,000 |
| Risk-weighted assets | 19,346,000 | 19,452,000 | 19,631,000 | 20,500,000 |