Call reports 2021
MONTROSE SAVINGS BANK — 2021
What MONTROSE SAVINGS BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 53,147,000 | 53,062,000 | 52,631,000 | 51,365,000 |
| Total loans | 28,908,000 | 30,281,000 | 28,123,000 | 26,959,000 |
| Allowance for loan losses | 489,000 | 498,000 | 507,000 | 515,000 |
| Securities available for sale | 12,741,000 | 14,916,000 | 15,902,000 | 18,546,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 45,992,000 | 45,646,000 | 45,249,000 | 44,080,000 |
| Interest-bearing deposits | 35,450,000 | 35,711,000 | 35,277,000 | 34,052,000 |
| Noninterest-bearing deposits | 10,542,000 | 9,935,000 | 9,972,000 | 10,028,000 |
| Equity capital | 7,114,000 | 7,379,000 | 7,341,000 | 7,250,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 557,000 | 1,100,000 | 1,530,000 | 1,935,000 |
| Interest expense | 46,000 | 92,000 | 137,000 | 176,000 |
| Net interest income | 511,000 | 1,008,000 | 1,393,000 | 1,759,000 |
| Noninterest income | 21,000 | 45,000 | 61,000 | 76,000 |
| Noninterest expense | 247,000 | 476,000 | 730,000 | 1,016,000 |
| Provision for loan losses | 9,000 | 18,000 | 27,000 | 36,000 |
| Pretax income | 277,000 | 560,000 | 698,000 | 784,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 277,000 | 560,000 | 698,000 | 784,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,046,000 | 7,330,000 | 7,302,000 | 7,279,000 |