Call reports 2017
MONTROSE SAVINGS BANK — 2017
What MONTROSE SAVINGS BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 43,912,000 | 43,682,000 | 42,637,000 | 43,294,000 |
| Total loans | 25,105,000 | 25,276,000 | 25,693,000 | 26,790,000 |
| Allowance for loan losses | 379,000 | 390,000 | 399,000 | 410,000 |
| Securities available for sale | 10,859,000 | 12,974,000 | 13,203,000 | 12,950,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 37,647,000 | 37,255,000 | 36,057,000 | 37,037,000 |
| Interest-bearing deposits | 31,367,000 | 31,096,000 | 29,435,000 | 29,654,000 |
| Noninterest-bearing deposits | 6,280,000 | 6,159,000 | 6,622,000 | 7,383,000 |
| Equity capital | 6,216,000 | 6,389,000 | 6,530,000 | 6,224,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 387,000 | 766,000 | 1,156,000 | 1,550,000 |
| Interest expense | 33,000 | 65,000 | 97,000 | 129,000 |
| Net interest income | 354,000 | 701,000 | 1,059,000 | 1,421,000 |
| Noninterest income | 29,000 | 52,000 | 75,000 | 100,000 |
| Noninterest expense | 236,000 | 457,000 | 685,000 | 945,000 |
| Provision for loan losses | 9,000 | 18,000 | 27,000 | 36,000 |
| Pretax income | 138,000 | 278,000 | 422,000 | 540,000 |
| Income tax | 3,000 | 4,000 | 3,000 | 4,000 |
| Net income | 135,000 | 274,000 | 419,000 | 536,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,215,000 | 6,355,000 | 6,499,000 | 6,314,000 |
| Total capital | 6,552,000 | 6,693,000 | 6,839,000 | 6,668,000 |
| Risk-weighted assets | 26,935,000 | 26,980,000 | 27,153,000 | 28,252,000 |