Call reports 2010
MONTROSE SAVINGS BANK — 2010
What MONTROSE SAVINGS BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 35,612,000 | 35,869,000 | 36,508,000 | 37,938,000 |
| Total loans | 24,197,000 | 24,323,000 | 24,101,000 | 24,646,000 |
| Allowance for loan losses | 213,000 | 185,000 | 188,000 | 199,000 |
| Securities available for sale | 7,091,000 | 6,984,000 | 8,239,000 | 7,893,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 30,824,000 | 30,978,000 | 31,634,000 | 33,049,000 |
| Interest-bearing deposits | 26,766,000 | 26,539,000 | 26,819,000 | 26,926,000 |
| Noninterest-bearing deposits | 4,058,000 | 4,439,000 | 4,815,000 | 6,123,000 |
| Equity capital | 4,555,000 | 4,726,000 | 4,742,000 | 4,802,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 466,000 | 943,000 | 1,418,000 | 1,890,000 |
| Interest expense | 118,000 | 226,000 | 330,000 | 426,000 |
| Net interest income | 348,000 | 717,000 | 1,088,000 | 1,464,000 |
| Noninterest income | 32,000 | 56,000 | 85,000 | 115,000 |
| Noninterest expense | 218,000 | 438,000 | 644,000 | 895,000 |
| Provision for loan losses | 0 | 0 | 6,000 | 21,000 |
| Pretax income | 162,000 | 335,000 | 523,000 | 663,000 |
| Income tax | 60,000 | 60,000 | 60,000 | 60,000 |
| Net income | 102,000 | 275,000 | 463,000 | 603,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,483,000 | 4,656,000 | 4,678,000 | 4,818,000 |
| Total capital | 4,696,000 | 4,841,000 | 4,866,000 | 5,017,000 |
| Risk-weighted assets | 25,325,000 | 25,656,000 | 25,639,000 | 26,322,000 |