Call reports 2009
MONTANA STATE BANK — 2009
What MONTANA STATE BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 59,897,000 | 58,748,000 | 55,200,000 | 57,196,000 |
| Total loans | 23,865,000 | 26,838,000 | 28,760,000 | 25,503,000 |
| Allowance for loan losses | 468,000 | 485,000 | 489,000 | 489,000 |
| Securities available for sale | 19,655,000 | 17,773,000 | 16,026,000 | 16,743,000 |
| Securities held to maturity | 235,000 | 235,000 | 145,000 | 145,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 53,675,000 | 52,518,000 | 48,788,000 | 50,747,000 |
| Interest-bearing deposits | 44,876,000 | 43,904,000 | 40,737,000 | 41,015,000 |
| Noninterest-bearing deposits | 8,799,000 | 8,614,000 | 8,051,000 | 9,732,000 |
| Equity capital | 5,360,000 | 5,269,000 | 5,475,000 | 5,527,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 659,000 | 1,315,000 | 1,977,000 | 2,592,000 |
| Interest expense | 190,000 | 366,000 | 521,000 | 657,000 |
| Net interest income | 469,000 | 949,000 | 1,456,000 | 1,935,000 |
| Noninterest income | 64,000 | 109,000 | 156,000 | 207,000 |
| Noninterest expense | 351,000 | 755,000 | 1,127,000 | 1,555,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 183,000 | 304,000 | 486,000 | 588,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 183,000 | 304,000 | 486,000 | 588,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,043,000 | 4,986,000 | 5,099,000 | 4,989,000 |
| Total capital | 5,414,000 | 5,361,000 | 5,489,000 | 5,350,000 |
| Risk-weighted assets | 29,613,000 | 29,879,000 | 31,138,000 | 28,755,000 |