Call reports 2007
MONTROSE SAVINGS BANK — 2007
What MONTROSE SAVINGS BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 33,544,000 | 32,781,000 | 31,676,000 | 32,826,000 |
| Total loans | 20,544,000 | 21,023,000 | 21,216,000 | 21,657,000 |
| Allowance for loan losses | 264,000 | 245,000 | 243,000 | 259,000 |
| Securities available for sale | 9,711,000 | 9,204,000 | 7,858,000 | 6,883,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 28,586,000 | 28,473,000 | 27,203,000 | 28,221,000 |
| Interest-bearing deposits | 25,013,000 | 25,208,000 | 24,218,000 | 24,514,000 |
| Noninterest-bearing deposits | 3,573,000 | 3,265,000 | 2,985,000 | 3,707,000 |
| Equity capital | 4,710,000 | 4,102,000 | 4,240,000 | 4,357,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 494,000 | 1,010,000 | 1,536,000 | 2,060,000 |
| Interest expense | 181,000 | 372,000 | 566,000 | 760,000 |
| Net interest income | 313,000 | 638,000 | 970,000 | 1,300,000 |
| Noninterest income | 31,000 | 52,000 | 71,000 | 92,000 |
| Noninterest expense | 178,000 | 348,000 | 533,000 | 739,000 |
| Provision for loan losses | 6,000 | 12,000 | 21,000 | 33,000 |
| Pretax income | 160,000 | 330,000 | 487,000 | 620,000 |
| Income tax | 62,000 | 128,000 | 184,000 | 215,000 |
| Net income | 98,000 | 202,000 | 303,000 | 405,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,740,000 | 4,142,000 | 4,245,000 | 4,346,000 |
| Total capital | 5,004,000 | 4,387,000 | 4,488,000 | 4,605,000 |
| Risk-weighted assets | 21,152,000 | 21,563,000 | 21,427,000 | 22,107,000 |