Call reports 2003
MONTEZUMA STATE BANK, THE — 2003
What MONTEZUMA STATE BANK, THE reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 49,220,000 | 48,455,000 | 50,318,000 | 53,367,000 |
| Total loans | 28,847,000 | 33,574,000 | 37,724,000 | 32,507,000 |
| Allowance for loan losses | 419,000 | 421,000 | 420,000 | 420,000 |
| Securities available for sale | 13,421,000 | 12,092,000 | 9,790,000 | 11,847,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 41,986,000 | 40,450,000 | 39,185,000 | 45,799,000 |
| Interest-bearing deposits | 25,516,000 | 24,330,000 | 23,805,000 | 25,679,000 |
| Noninterest-bearing deposits | 16,470,000 | 16,120,000 | 15,380,000 | 20,120,000 |
| Equity capital | 4,276,000 | 4,281,000 | 4,368,000 | 4,694,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 600,000 | 1,224,000 | 1,866,000 | 2,513,000 |
| Interest expense | 130,000 | 253,000 | 369,000 | 476,000 |
| Net interest income | 470,000 | 971,000 | 1,497,000 | 2,037,000 |
| Noninterest income | 29,000 | 70,000 | 101,000 | 137,000 |
| Noninterest expense | 418,000 | 825,000 | 1,201,000 | 1,497,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 85,000 | 227,000 | 414,000 | 696,000 |
| Income tax | 9,000 | 18,000 | 31,000 | 46,000 |
| Net income | 76,000 | 209,000 | 383,000 | 650,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,140,000 | 4,161,000 | 4,335,000 | 4,602,000 |
| Total capital | 4,546,000 | 4,582,000 | 4,755,000 | 5,022,000 |
| Risk-weighted assets | 32,484,000 | 36,258,000 | 40,099,000 | 36,688,000 |