Call reports 2014
MONTROSE SAVINGS BANK — 2014
What MONTROSE SAVINGS BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 43,832,000 | 43,650,000 | 44,123,000 | 45,360,000 |
| Total loans | 24,009,000 | 23,459,000 | 24,041,000 | 24,164,000 |
| Allowance for loan losses | 281,000 | 288,000 | 298,000 | 301,000 |
| Securities available for sale | 14,110,000 | 15,798,000 | 17,502,000 | 16,523,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 38,351,000 | 38,006,000 | 38,362,000 | 39,579,000 |
| Interest-bearing deposits | 32,330,000 | 32,494,000 | 32,718,000 | 32,167,000 |
| Noninterest-bearing deposits | 6,021,000 | 5,512,000 | 5,644,000 | 7,412,000 |
| Equity capital | 5,403,000 | 5,571,000 | 5,705,000 | 5,728,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 407,000 | 819,000 | 1,232,000 | 1,649,000 |
| Interest expense | 58,000 | 116,000 | 175,000 | 230,000 |
| Net interest income | 349,000 | 703,000 | 1,057,000 | 1,419,000 |
| Noninterest income | 35,000 | 64,000 | 86,000 | 119,000 |
| Noninterest expense | 237,000 | 443,000 | 663,000 | 931,000 |
| Provision for loan losses | 9,000 | 18,000 | 27,000 | 33,000 |
| Pretax income | 138,000 | 306,000 | 453,000 | 574,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 138,000 | 306,000 | 453,000 | 574,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,417,000 | 5,585,000 | 5,732,000 | 5,757,000 |
| Total capital | 5,698,000 | 5,873,000 | 6,030,000 | 6,058,000 |
| Risk-weighted assets | 28,990,000 | 28,570,000 | 28,762,000 | 29,209,000 |