Call reports 2011
MONTROSE SAVINGS BANK — 2011
What MONTROSE SAVINGS BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 38,664,000 | 37,400,000 | 38,144,000 | 38,880,000 |
| Total loans | 23,790,000 | 24,064,000 | 23,794,000 | 23,795,000 |
| Allowance for loan losses | 213,000 | 226,000 | 235,000 | 227,000 |
| Securities available for sale | 8,068,000 | 10,248,000 | 11,305,000 | 10,445,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 33,871,000 | 32,432,000 | 32,911,000 | 33,986,000 |
| Interest-bearing deposits | 28,546,000 | 27,760,000 | 28,106,000 | 28,657,000 |
| Noninterest-bearing deposits | 5,325,000 | 4,672,000 | 4,805,000 | 5,330,000 |
| Equity capital | 4,695,000 | 4,880,000 | 5,157,000 | 4,818,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 446,000 | 891,000 | 1,338,000 | 1,770,000 |
| Interest expense | 85,000 | 166,000 | 245,000 | 322,000 |
| Net interest income | 361,000 | 725,000 | 1,093,000 | 1,448,000 |
| Noninterest income | 32,000 | 59,000 | 97,000 | 131,000 |
| Noninterest expense | 234,000 | 455,000 | 668,000 | 935,000 |
| Provision for loan losses | 15,000 | 27,000 | 36,000 | 39,000 |
| Pretax income | 144,000 | 302,000 | 486,000 | 605,000 |
| Income tax | 0 | 0 | -24,000 | -24,000 |
| Net income | 144,000 | 302,000 | 510,000 | 629,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,688,000 | 4,845,000 | 5,054,000 | 4,760,000 |
| Total capital | 4,901,000 | 5,071,000 | 5,289,000 | 4,987,000 |
| Risk-weighted assets | 25,845,000 | 26,224,000 | 26,772,000 | 26,855,000 |