Call reports 2015
MONTEZUMA STATE BANK — 2015
What MONTEZUMA STATE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 37,112,000 | 36,076,000 | 35,777,000 | 36,156,000 |
| Total loans | 16,208,000 | 16,053,000 | 14,853,000 | 15,692,000 |
| Allowance for loan losses | 199,000 | 208,000 | 119,000 | 133,000 |
| Securities available for sale | 7,021,000 | 7,573,000 | 8,184,000 | 10,125,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 33,379,000 | 32,301,000 | 31,497,000 | 31,898,000 |
| Interest-bearing deposits | 27,720,000 | 25,423,000 | 25,447,000 | 25,591,000 |
| Noninterest-bearing deposits | 5,659,000 | 6,878,000 | 6,050,000 | 6,307,000 |
| Equity capital | 3,680,000 | 3,695,000 | 4,084,000 | 4,093,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 265,000 | 538,000 | 819,000 | 1,101,000 |
| Interest expense | 21,000 | 43,000 | 63,000 | 83,000 |
| Net interest income | 244,000 | 495,000 | 756,000 | 1,018,000 |
| Noninterest income | 38,000 | 117,000 | 568,000 | 641,000 |
| Noninterest expense | 263,000 | 518,000 | 816,000 | 1,093,000 |
| Provision for loan losses | 361,000 | 371,000 | 282,000 | 296,000 |
| Pretax income | -342,000 | -277,000 | 226,000 | 270,000 |
| Income tax | -98,000 | -80,000 | 71,000 | 56,000 |
| Net income | -244,000 | -197,000 | 155,000 | 214,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,257,000 | 3,305,000 | 3,661,000 | 3,723,000 |
| Total capital | 3,456,000 | 3,513,000 | 3,780,000 | 3,856,000 |
| Risk-weighted assets | 19,364,000 | 18,764,000 | 17,334,000 | 18,429,000 |