Call reports 2006
MONTANA STATE BANK — 2006
What MONTANA STATE BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 49,185,000 | 48,185,000 | 47,872,000 | 49,205,000 |
| Total loans | 25,435,000 | 28,203,000 | 28,268,000 | 25,797,000 |
| Allowance for loan losses | 443,000 | 439,000 | 436,000 | 420,000 |
| Securities available for sale | 8,630,000 | 8,847,000 | 10,298,000 | 9,742,000 |
| Securities held to maturity | 285,000 | 285,000 | 285,000 | 285,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 44,272,000 | 43,114,000 | 42,562,000 | 44,092,000 |
| Interest-bearing deposits | 37,373,000 | 35,886,000 | 35,913,000 | 36,098,000 |
| Noninterest-bearing deposits | 6,899,000 | 7,228,000 | 6,649,000 | 7,994,000 |
| Equity capital | 4,556,000 | 4,697,000 | 4,922,000 | 4,716,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 709,000 | 1,564,000 | 2,336,000 | 3,146,000 |
| Interest expense | 193,000 | 413,000 | 649,000 | 904,000 |
| Net interest income | 516,000 | 1,151,000 | 1,687,000 | 2,242,000 |
| Noninterest income | 61,000 | 110,000 | 153,000 | 203,000 |
| Noninterest expense | 319,000 | 631,000 | 950,000 | 1,344,000 |
| Provision for loan losses | 50,000 | 67,000 | 67,000 | 67,000 |
| Pretax income | 208,000 | 563,000 | 823,000 | 1,034,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 208,000 | 563,000 | 823,000 | 1,034,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,537,000 | 4,707,000 | 4,868,000 | 4,652,000 |
| Total capital | 4,890,000 | 5,074,000 | 5,236,000 | 4,999,000 |
| Risk-weighted assets | 28,160,000 | 29,269,000 | 29,380,000 | 27,684,000 |
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