Call reports 2018
MONTROSE SAVINGS BANK — 2018
What MONTROSE SAVINGS BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 44,237,000 | 42,952,000 | 42,372,000 | 42,034,000 |
| Total loans | 27,351,000 | 28,086,000 | 27,752,000 | 28,275,000 |
| Allowance for loan losses | 421,000 | 430,000 | 439,000 | 396,000 |
| Securities available for sale | 11,771,000 | 13,354,000 | 12,993,000 | 11,581,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 38,107,000 | 36,630,000 | 35,897,000 | 35,674,000 |
| Interest-bearing deposits | 30,868,000 | 29,905,000 | 29,227,000 | 28,436,000 |
| Noninterest-bearing deposits | 7,239,000 | 6,726,000 | 6,670,000 | 7,238,000 |
| Equity capital | 6,099,000 | 6,287,000 | 6,424,000 | 6,296,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 399,000 | 826,000 | 1,257,000 | 1,691,000 |
| Interest expense | 32,000 | 66,000 | 102,000 | 140,000 |
| Net interest income | 367,000 | 760,000 | 1,155,000 | 1,551,000 |
| Noninterest income | 29,000 | 56,000 | 84,000 | 111,000 |
| Noninterest expense | 256,000 | 472,000 | 698,000 | 966,000 |
| Provision for loan losses | 9,000 | 18,000 | 27,000 | 36,000 |
| Pretax income | 131,000 | 325,000 | 513,000 | 654,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 131,000 | 325,000 | 513,000 | 654,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,225,000 | 6,419,000 | 6,607,000 | 6,417,000 |
| Total capital | 6,589,000 | 6,782,000 | 6,965,000 | 6,781,000 |
| Risk-weighted assets | 29,046,000 | 28,980,000 | 28,583,000 | 29,075,000 |