Call reports 2007
MONTANA STATE BANK — 2007
What MONTANA STATE BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 50,038,000 | 47,656,000 | 49,654,000 | 53,029,000 |
| Total loans | 25,113,000 | 28,091,000 | 28,887,000 | 24,585,000 |
| Allowance for loan losses | 420,000 | 420,000 | 420,000 | 418,000 |
| Securities available for sale | 10,439,000 | 10,499,000 | 10,659,000 | 11,300,000 |
| Securities held to maturity | 285,000 | 285,000 | 285,000 | 285,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 44,704,000 | 42,433,000 | 44,249,000 | 47,440,000 |
| Interest-bearing deposits | 36,733,000 | 34,757,000 | 36,884,000 | 39,301,000 |
| Noninterest-bearing deposits | 7,971,000 | 7,676,000 | 7,365,000 | 8,139,000 |
| Equity capital | 4,917,000 | 4,796,000 | 4,615,000 | 4,830,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 732,000 | 1,526,000 | 2,344,000 | 3,157,000 |
| Interest expense | 260,000 | 523,000 | 801,000 | 1,084,000 |
| Net interest income | 472,000 | 1,003,000 | 1,543,000 | 2,073,000 |
| Noninterest income | 57,000 | 102,000 | 147,000 | 198,000 |
| Noninterest expense | 334,000 | 658,000 | 1,043,000 | 1,473,000 |
| Provision for loan losses | 0 | 147,000 | 233,000 | 233,000 |
| Pretax income | 195,000 | 300,000 | 414,000 | 565,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 195,000 | 300,000 | 414,000 | 565,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,847,000 | 4,780,000 | 4,511,000 | 4,619,000 |
| Total capital | 5,191,000 | 5,142,000 | 4,885,000 | 4,971,000 |
| Risk-weighted assets | 27,472,000 | 28,921,000 | 29,887,000 | 28,093,000 |
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