Call reports 2012
MONTROSE SAVINGS BANK — 2012
What MONTROSE SAVINGS BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 41,656,000 | 41,952,000 | 43,744,000 | 41,374,000 |
| Total loans | 23,446,000 | 24,234,000 | 23,242,000 | 23,875,000 |
| Allowance for loan losses | 231,000 | 231,000 | 237,000 | 246,000 |
| Securities available for sale | 13,678,000 | 12,763,000 | 13,527,000 | 14,321,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 36,662,000 | 36,758,000 | 38,420,000 | 35,962,000 |
| Interest-bearing deposits | 31,700,000 | 31,828,000 | 31,934,000 | 30,419,000 |
| Noninterest-bearing deposits | 4,962,000 | 4,930,000 | 6,486,000 | 5,543,000 |
| Equity capital | 4,925,000 | 5,132,000 | 5,248,000 | 5,332,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 424,000 | 849,000 | 1,249,000 | 1,661,000 |
| Interest expense | 79,000 | 157,000 | 229,000 | 299,000 |
| Net interest income | 345,000 | 692,000 | 1,020,000 | 1,362,000 |
| Noninterest income | 38,000 | 96,000 | 127,000 | 166,000 |
| Noninterest expense | 267,000 | 498,000 | 685,000 | 974,000 |
| Provision for loan losses | 6,000 | 9,000 | 15,000 | 24,000 |
| Pretax income | 110,000 | 281,000 | 439,000 | 538,000 |
| Income tax | 0 | 0 | 8,000 | 0 |
| Net income | 110,000 | 281,000 | 431,000 | 538,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,871,000 | 5,041,000 | 5,191,000 | 5,299,000 |
| Total capital | 5,102,000 | 5,272,000 | 5,428,000 | 5,545,000 |
| Risk-weighted assets | 28,138,000 | 28,749,000 | 28,828,000 | 29,444,000 |