Call reports 2009
MONTROSE SAVINGS BANK — 2009
What MONTROSE SAVINGS BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 34,453,000 | 34,645,000 | 34,088,000 | 34,848,000 |
| Total loans | 23,097,000 | 23,601,000 | 23,851,000 | 23,887,000 |
| Allowance for loan losses | 233,000 | 229,000 | 231,000 | 230,000 |
| Securities available for sale | 7,703,000 | 8,877,000 | 7,949,000 | 6,320,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 29,975,000 | 30,296,000 | 29,523,000 | 30,215,000 |
| Interest-bearing deposits | 26,368,000 | 26,192,000 | 25,653,000 | 26,137,000 |
| Noninterest-bearing deposits | 3,607,000 | 4,104,000 | 3,870,000 | 4,078,000 |
| Equity capital | 4,203,000 | 4,169,000 | 4,339,000 | 4,446,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 483,000 | 973,000 | 1,476,000 | 1,964,000 |
| Interest expense | 159,000 | 309,000 | 451,000 | 579,000 |
| Net interest income | 324,000 | 664,000 | 1,025,000 | 1,385,000 |
| Noninterest income | 36,000 | 64,000 | 96,000 | 112,000 |
| Noninterest expense | 193,000 | 395,000 | 614,000 | 861,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 167,000 | 333,000 | 506,000 | 658,000 |
| Income tax | 63,000 | 124,000 | 194,000 | 222,000 |
| Net income | 104,000 | 209,000 | 312,000 | 436,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,157,000 | 4,153,000 | 4,256,000 | 4,380,000 |
| Total capital | 4,390,000 | 4,382,000 | 4,487,000 | 4,610,000 |
| Risk-weighted assets | 23,999,000 | 25,067,000 | 25,159,000 | 24,893,000 |