Call reports 2004
MONTEZUMA STATE BANK, THE — 2004
What MONTEZUMA STATE BANK, THE reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 53,245,000 | 54,186,000 | 56,946,000 | 55,895,000 |
| Total loans | 28,340,000 | 33,428,000 | 37,873,000 | 35,035,000 |
| Allowance for loan losses | 429,000 | 435,000 | 452,000 | 463,000 |
| Securities available for sale | 16,972,000 | 17,479,000 | 15,491,000 | 15,245,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 45,731,000 | 44,141,000 | 42,934,000 | 48,105,000 |
| Interest-bearing deposits | 25,669,000 | 24,945,000 | 22,523,000 | 23,053,000 |
| Noninterest-bearing deposits | 20,062,000 | 19,196,000 | 20,411,000 | 25,052,000 |
| Equity capital | 4,632,000 | 4,314,000 | 4,746,000 | 4,937,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 617,000 | 1,248,000 | 1,993,000 | 2,755,000 |
| Interest expense | 105,000 | 202,000 | 317,000 | 421,000 |
| Net interest income | 512,000 | 1,046,000 | 1,676,000 | 2,334,000 |
| Noninterest income | 28,000 | 71,000 | 104,000 | 145,000 |
| Noninterest expense | 397,000 | 781,000 | 1,167,000 | 1,564,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 55,000 |
| Pretax income | 131,000 | 309,000 | 567,000 | 861,000 |
| Income tax | 4,000 | 8,000 | 22,000 | 35,000 |
| Net income | 127,000 | 301,000 | 545,000 | 826,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,462,000 | 4,587,000 | 4,678,000 | 4,959,000 |
| Total capital | 4,871,000 | 5,022,000 | 5,130,000 | 5,422,000 |
| Risk-weighted assets | 32,707,000 | 37,248,000 | 41,369,000 | 38,829,000 |