Call reports 2016
MONTROSE SAVINGS BANK — 2016
What MONTROSE SAVINGS BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 44,095,000 | 43,813,000 | 43,792,000 | 43,945,000 |
| Total loans | 26,782,000 | 26,905,000 | 27,396,000 | 26,712,000 |
| Allowance for loan losses | 341,000 | 348,000 | 357,000 | 367,000 |
| Securities available for sale | 11,236,000 | 11,205,000 | 11,817,000 | 12,236,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 38,051,000 | 37,592,000 | 37,435,000 | 37,631,000 |
| Interest-bearing deposits | 32,060,000 | 31,919,000 | 31,016,000 | 30,958,000 |
| Noninterest-bearing deposits | 5,991,000 | 5,673,000 | 6,419,000 | 6,673,000 |
| Equity capital | 6,001,000 | 6,171,000 | 6,313,000 | 6,259,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 410,000 | 810,000 | 1,219,000 | 1,627,000 |
| Interest expense | 42,000 | 81,000 | 117,000 | 152,000 |
| Net interest income | 368,000 | 729,000 | 1,102,000 | 1,475,000 |
| Noninterest income | 34,000 | 60,000 | 90,000 | 118,000 |
| Noninterest expense | 271,000 | 491,000 | 720,000 | 969,000 |
| Provision for loan losses | 9,000 | 18,000 | 27,000 | 36,000 |
| Pretax income | 149,000 | 307,000 | 472,000 | 615,000 |
| Income tax | 5,000 | 6,000 | 6,000 | 6,000 |
| Net income | 144,000 | 301,000 | 466,000 | 609,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,986,000 | 6,143,000 | 6,307,000 | 6,300,000 |
| Total capital | 6,327,000 | 6,491,000 | 6,664,000 | 6,667,000 |
| Risk-weighted assets | 30,524,000 | 28,315,000 | 28,794,000 | 30,903,000 |