Call reports 2022
MONTROSE SAVINGS BANK — 2022
What MONTROSE SAVINGS BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 53,942,000 | 53,302,000 | 52,408,000 | 53,210,000 |
| Total loans | 26,383,000 | 26,721,000 | 26,557,000 | 26,378,000 |
| Allowance for loan losses | 521,000 | 521,000 | 524,000 | 521,000 |
| Securities available for sale | 17,800,000 | 19,858,000 | 21,824,000 | 22,266,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 47,054,000 | 46,532,000 | 45,848,000 | 45,331,000 |
| Interest-bearing deposits | 35,781,000 | 35,119,000 | 34,653,000 | 33,765,000 |
| Noninterest-bearing deposits | 11,273,000 | 11,413,000 | 11,196,000 | 11,566,000 |
| Equity capital | 6,852,000 | 6,737,000 | 6,520,000 | 6,760,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 383,000 | 786,000 | 1,219,000 | 1,673,000 |
| Interest expense | 39,000 | 78,000 | 118,000 | 164,000 |
| Net interest income | 344,000 | 708,000 | 1,101,000 | 1,509,000 |
| Noninterest income | 22,000 | 37,000 | 56,000 | 74,000 |
| Noninterest expense | 262,000 | 511,000 | 731,000 | 978,000 |
| Provision for loan losses | 6,000 | 12,000 | 15,000 | 15,000 |
| Pretax income | 98,000 | 223,000 | 412,000 | 582,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 98,000 | 223,000 | 412,000 | 582,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,377,000 | 7,392,000 | 7,581,000 | 7,587,000 |