Call reports 2019
MONTROSE SAVINGS BANK — 2019
What MONTROSE SAVINGS BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 43,110,000 | 42,431,000 | 42,251,000 | 41,729,000 |
| Total loans | 29,131,000 | 29,309,000 | 29,039,000 | 28,026,000 |
| Allowance for loan losses | 422,000 | 429,000 | 438,000 | 444,000 |
| Securities available for sale | 11,337,000 | 10,671,000 | 9,798,000 | 8,940,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 36,706,000 | 35,908,000 | 35,574,000 | 35,070,000 |
| Interest-bearing deposits | 29,318,000 | 28,365,000 | 28,695,000 | 28,149,000 |
| Noninterest-bearing deposits | 7,388,000 | 7,543,000 | 6,879,000 | 6,921,000 |
| Equity capital | 6,364,000 | 6,469,000 | 6,592,000 | 6,601,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 448,000 | 908,000 | 1,373,000 | 1,832,000 |
| Interest expense | 40,000 | 84,000 | 129,000 | 177,000 |
| Net interest income | 408,000 | 824,000 | 1,244,000 | 1,655,000 |
| Noninterest income | 27,000 | 54,000 | 78,000 | 100,000 |
| Noninterest expense | 254,000 | 481,000 | 696,000 | 953,000 |
| Provision for loan losses | 9,000 | 18,000 | 27,000 | 36,000 |
| Pretax income | 172,000 | 378,000 | 597,000 | 764,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 172,000 | 378,000 | 597,000 | 764,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,410,000 | 6,452,000 | 6,560,000 | 6,563,000 |
| Total capital | 6,786,000 | 6,827,000 | 6,928,000 | 6,918,000 |
| Risk-weighted assets | 30,031,000 | 29,960,000 | 29,392,000 | 28,321,000 |