Call reports 2020
MONTEZUMA STATE BANK — 2020
What MONTEZUMA STATE BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 38,853,000 | 43,359,000 | 46,935,000 | 47,241,000 |
| Total loans | 20,475,000 | 21,097,000 | 21,773,000 | 20,732,000 |
| Allowance for loan losses | 274,000 | 280,000 | 330,000 | 327,000 |
| Securities available for sale | 8,208,000 | 7,070,000 | 6,988,000 | 7,322,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 32,817,000 | 37,131,000 | 40,714,000 | 40,921,000 |
| Interest-bearing deposits | 25,955,000 | 28,447,000 | 31,013,000 | 31,979,000 |
| Noninterest-bearing deposits | 6,862,000 | 8,684,000 | 9,701,000 | 8,942,000 |
| Equity capital | 5,595,000 | 5,733,000 | 5,832,000 | 5,923,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 350,000 | 683,000 | 1,011,000 | 1,323,000 |
| Interest expense | 36,000 | 67,000 | 97,000 | 126,000 |
| Net interest income | 314,000 | 616,000 | 914,000 | 1,197,000 |
| Noninterest income | 48,000 | 93,000 | 191,000 | 230,000 |
| Noninterest expense | 207,000 | 408,000 | 620,000 | 810,000 |
| Provision for loan losses | 20,000 | 30,000 | 80,000 | 80,000 |
| Pretax income | 135,000 | 271,000 | 405,000 | 537,000 |
| Income tax | 31,000 | 62,000 | 92,000 | 122,000 |
| Net income | 104,000 | 209,000 | 313,000 | 415,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,158,000 | 5,268,000 | 5,378,000 | 5,485,000 |