Call reports 2008
MONTANA STATE BANK — 2008
What MONTANA STATE BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 59,250,000 | 57,736,000 | 56,004,000 | 58,881,000 |
| Total loans | 22,778,000 | 26,129,000 | 28,102,000 | 25,178,000 |
| Allowance for loan losses | 436,000 | 463,000 | 430,000 | 448,000 |
| Securities available for sale | 16,979,000 | 21,852,000 | 12,968,000 | 18,382,000 |
| Securities held to maturity | 285,000 | 235,000 | 235,000 | 235,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 53,250,000 | 52,075,000 | 50,060,000 | 52,774,000 |
| Interest-bearing deposits | 43,905,000 | 43,507,000 | 41,015,000 | 43,479,000 |
| Noninterest-bearing deposits | 9,345,000 | 8,568,000 | 9,045,000 | 9,295,000 |
| Equity capital | 5,217,000 | 4,872,000 | 5,136,000 | 5,262,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 784,000 | 1,546,000 | 2,312,000 | 3,022,000 |
| Interest expense | 291,000 | 549,000 | 750,000 | 944,000 |
| Net interest income | 493,000 | 997,000 | 1,562,000 | 2,078,000 |
| Noninterest income | 48,000 | 96,000 | 148,000 | 190,000 |
| Noninterest expense | 334,000 | 688,000 | 1,034,000 | 1,523,000 |
| Provision for loan losses | 0 | 0 | 60,000 | 60,000 |
| Pretax income | 207,000 | 405,000 | 628,000 | 734,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 207,000 | 405,000 | 628,000 | 734,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,831,000 | 4,867,000 | 4,988,000 | 4,855,000 |
| Total capital | 5,193,000 | 5,266,000 | 5,392,000 | 5,225,000 |
| Risk-weighted assets | 28,895,000 | 31,866,000 | 32,304,000 | 29,518,000 |
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