Call reports 2025
MONTROSE SAVINGS BANK — 2025
What MONTROSE SAVINGS BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 56,931,000 | 57,137,000 | 60,637,000 | 57,377,000 |
| Total loans | 30,540,000 | 31,912,000 | 33,366,000 | 33,442,000 |
| Allowance for loan losses | 542,000 | 541,000 | 544,000 | 547,000 |
| Securities available for sale | 17,286,000 | 17,868,000 | 18,587,000 | 19,496,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 48,479,000 | 48,615,000 | 51,781,000 | 48,002,000 |
| Interest-bearing deposits | 37,701,000 | 38,257,000 | 40,742,000 | 37,915,000 |
| Noninterest-bearing deposits | 10,778,000 | 10,358,000 | 11,039,000 | 10,087,000 |
| Equity capital | 8,239,000 | 8,278,000 | 8,619,000 | 9,012,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 725,000 | 1,508,000 | 2,321,000 | 3,152,000 |
| Interest expense | 175,000 | 353,000 | 533,000 | 713,000 |
| Net interest income | 550,000 | 1,155,000 | 1,788,000 | 2,439,000 |
| Noninterest income | 19,000 | 35,000 | 53,000 | 70,000 |
| Noninterest expense | 263,000 | 527,000 | 768,000 | 1,077,000 |
| Provision for loan losses | 3,000 | 6,000 | 9,000 | 12,000 |
| Pretax income | 302,000 | 656,000 | 1,062,000 | 1,418,000 |
| Income tax | 4,000 | 20,000 | 28,000 | 35,000 |
| Net income | 298,000 | 636,000 | 1,034,000 | 1,383,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,403,000 | 8,466,000 | 8,589,000 | 8,938,000 |