Call reports 2003
MONTANA STATE BANK — 2003
What MONTANA STATE BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 44,311,000 | 42,885,000 | 42,067,000 | 44,099,000 |
| Total loans | 22,824,000 | 25,104,000 | 25,409,000 | 23,291,000 |
| Allowance for loan losses | 494,000 | 494,000 | 517,000 | 517,000 |
| Securities available for sale | 6,002,000 | 5,298,000 | 5,438,000 | 5,850,000 |
| Securities held to maturity | 285,000 | 285,000 | 285,000 | 285,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 39,602,000 | 38,171,000 | 37,293,000 | 39,564,000 |
| Interest-bearing deposits | 34,184,000 | 32,645,000 | 31,865,000 | 33,648,000 |
| Noninterest-bearing deposits | 5,418,000 | 5,526,000 | 5,428,000 | 5,916,000 |
| Equity capital | 4,473,000 | 4,504,000 | 4,558,000 | 4,312,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 573,000 | 1,122,000 | 1,692,000 | 2,231,000 |
| Interest expense | 156,000 | 299,000 | 424,000 | 551,000 |
| Net interest income | 417,000 | 823,000 | 1,268,000 | 1,680,000 |
| Noninterest income | 62,000 | 127,000 | 181,000 | 227,000 |
| Noninterest expense | 277,000 | 560,000 | 813,000 | 1,180,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 202,000 | 390,000 | 636,000 | 727,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 202,000 | 390,000 | 636,000 | 727,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,097,000 | 4,109,000 | 4,260,000 | 4,028,000 |
| Total capital | 4,410,000 | 4,418,000 | 4,586,000 | 4,346,000 |
| Risk-weighted assets | 24,882,000 | 24,523,000 | 25,868,000 | 25,261,000 |
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