Call reports 2006
MONTROSE SAVINGS BANK — 2006
What MONTROSE SAVINGS BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 33,000,000 | 33,246,000 | 32,636,000 | 32,600,000 |
| Total loans | 18,286,000 | 19,587,000 | 19,690,000 | 20,166,000 |
| Allowance for loan losses | 285,000 | 274,000 | 265,000 | 268,000 |
| Securities available for sale | 11,719,000 | 11,531,000 | 10,697,000 | 9,569,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 28,247,000 | 28,788,000 | 27,967,000 | 27,805,000 |
| Interest-bearing deposits | 25,209,000 | 25,812,000 | 25,106,000 | 24,252,000 |
| Noninterest-bearing deposits | 3,038,000 | 2,976,000 | 2,861,000 | 3,553,000 |
| Equity capital | 4,606,000 | 4,295,000 | 4,448,000 | 4,600,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 456,000 | 910,000 | 1,397,000 | 1,887,000 |
| Interest expense | 145,000 | 296,000 | 467,000 | 641,000 |
| Net interest income | 311,000 | 614,000 | 930,000 | 1,246,000 |
| Noninterest income | 30,000 | 84,000 | 101,000 | 123,000 |
| Noninterest expense | 189,000 | 379,000 | 544,000 | 750,000 |
| Provision for loan losses | 3,000 | 6,000 | 9,000 | 15,000 |
| Pretax income | 149,000 | 313,000 | 478,000 | 604,000 |
| Income tax | 52,000 | 119,000 | 181,000 | 181,000 |
| Net income | 97,000 | 194,000 | 297,000 | 423,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,702,000 | 4,413,000 | 4,517,000 | 4,642,000 |
| Total capital | 4,950,000 | 4,671,000 | 4,773,000 | 4,901,000 |
| Risk-weighted assets | 19,801,000 | 20,649,000 | 20,504,000 | 20,702,000 |