Call reports 2015
MONTROSE SAVINGS BANK — 2015
What MONTROSE SAVINGS BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 45,981,000 | 45,579,000 | 45,423,000 | 45,559,000 |
| Total loans | 23,605,000 | 25,499,000 | 26,140,000 | 26,499,000 |
| Allowance for loan losses | 310,000 | 316,000 | 322,000 | 331,000 |
| Securities available for sale | 17,777,000 | 18,013,000 | 16,929,000 | 16,502,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 40,220,000 | 39,708,000 | 39,356,000 | 39,479,000 |
| Interest-bearing deposits | 33,601,000 | 33,622,000 | 33,242,000 | 32,627,000 |
| Noninterest-bearing deposits | 6,619,000 | 6,086,000 | 6,114,000 | 6,852,000 |
| Equity capital | 5,707,000 | 5,793,000 | 6,012,000 | 6,032,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 404,000 | 824,000 | 1,248,000 | 1,670,000 |
| Interest expense | 55,000 | 109,000 | 163,000 | 214,000 |
| Net interest income | 349,000 | 715,000 | 1,085,000 | 1,456,000 |
| Noninterest income | 34,000 | 62,000 | 95,000 | 125,000 |
| Noninterest expense | 245,000 | 452,000 | 677,000 | 951,000 |
| Provision for loan losses | 9,000 | 15,000 | 21,000 | 30,000 |
| Pretax income | 129,000 | 324,000 | 499,000 | 617,000 |
| Income tax | 0 | 9,000 | 9,000 | 9,000 |
| Net income | 129,000 | 315,000 | 490,000 | 608,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,665,000 | 5,851,000 | 6,026,000 | 6,062,000 |
| Total capital | 5,975,000 | 6,167,000 | 6,348,000 | 6,393,000 |
| Risk-weighted assets | 28,969,000 | 29,793,000 | 29,986,000 | 30,454,000 |