Call reports 2013
MONTROSE SAVINGS BANK — 2013
What MONTROSE SAVINGS BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 41,909,000 | 42,237,000 | 42,522,000 | 41,963,000 |
| Total loans | 23,870,000 | 23,862,000 | 24,156,000 | 24,327,000 |
| Allowance for loan losses | 253,000 | 260,000 | 268,000 | 272,000 |
| Securities available for sale | 13,642,000 | 14,446,000 | 15,445,000 | 15,324,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 36,570,000 | 36,980,000 | 37,140,000 | 36,517,000 |
| Interest-bearing deposits | 31,419,000 | 31,811,000 | 32,162,000 | 30,472,000 |
| Noninterest-bearing deposits | 5,151,000 | 5,169,000 | 4,978,000 | 6,045,000 |
| Equity capital | 5,275,000 | 5,209,000 | 5,314,000 | 5,392,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 399,000 | 803,000 | 1,222,000 | 1,641,000 |
| Interest expense | 65,000 | 128,000 | 192,000 | 255,000 |
| Net interest income | 334,000 | 675,000 | 1,030,000 | 1,386,000 |
| Noninterest income | 37,000 | 73,000 | 108,000 | 139,000 |
| Noninterest expense | 234,000 | 450,000 | 625,000 | 882,000 |
| Provision for loan losses | 9,000 | 18,000 | 27,000 | 30,000 |
| Pretax income | 128,000 | 280,000 | 486,000 | 613,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 128,000 | 280,000 | 486,000 | 613,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,151,000 | 5,303,000 | 5,509,000 | 5,526,000 |
| Total capital | 5,404,000 | 5,563,000 | 5,777,000 | 5,798,000 |
| Risk-weighted assets | 29,016,000 | 29,149,000 | 29,623,000 | 29,496,000 |