Call reports 2005
MONTEZUMA STATE BANK, THE — 2005
What MONTEZUMA STATE BANK, THE reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 53,333,000 | 56,672,000 | 58,435,000 | 58,532,000 |
| Total loans | 31,126,000 | 34,102,000 | 35,383,000 | 33,720,000 |
| Allowance for loan losses | 462,000 | 450,000 | 451,000 | 477,000 |
| Securities available for sale | 19,463,000 | 19,485,000 | 19,752,000 | 21,201,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 46,630,000 | 47,123,000 | 44,544,000 | 47,717,000 |
| Interest-bearing deposits | 24,454,000 | 23,782,000 | 23,053,000 | 22,982,000 |
| Noninterest-bearing deposits | 22,176,000 | 23,341,000 | 21,491,000 | 24,735,000 |
| Equity capital | 4,449,000 | 4,656,000 | 4,724,000 | 4,908,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 738,000 | 1,525,000 | 2,396,000 | 3,263,000 |
| Interest expense | 106,000 | 228,000 | 397,000 | 559,000 |
| Net interest income | 632,000 | 1,297,000 | 1,999,000 | 2,704,000 |
| Noninterest income | 25,000 | 66,000 | 101,000 | 139,000 |
| Noninterest expense | 417,000 | 829,000 | 1,246,000 | 1,610,000 |
| Provision for loan losses | 0 | 0 | 0 | 25,000 |
| Pretax income | 198,000 | 486,000 | 807,000 | 1,150,000 |
| Income tax | 9,000 | 22,000 | 36,000 | 50,000 |
| Net income | 189,000 | 464,000 | 771,000 | 1,100,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,748,000 | 4,834,000 | 4,987,000 | 5,315,000 |
| Total capital | 5,188,000 | 5,284,000 | 5,438,000 | 5,792,000 |
| Risk-weighted assets | 35,148,000 | 38,342,000 | 40,610,000 | 39,376,000 |