Call reports 2006
MONTEZUMA STATE BANK, THE — 2006
What MONTEZUMA STATE BANK, THE reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 53,350,000 | 54,023,000 | 60,667,000 | 53,225,000 |
| Total loans | 28,407,000 | 29,529,000 | 36,268,000 | 31,247,000 |
| Allowance for loan losses | 478,000 | 474,000 | 477,000 | 527,000 |
| Securities available for sale | 22,145,000 | 21,762,000 | 20,831,000 | 18,238,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 45,932,000 | 43,545,000 | 39,848,000 | 46,811,000 |
| Interest-bearing deposits | 23,911,000 | 21,835,000 | 20,316,000 | 22,059,000 |
| Noninterest-bearing deposits | 22,021,000 | 21,710,000 | 19,532,000 | 24,752,000 |
| Equity capital | 4,630,000 | 4,478,000 | 4,628,000 | 4,957,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 816,000 | 1,637,000 | 2,610,000 | 3,459,000 |
| Interest expense | 157,000 | 340,000 | 637,000 | 842,000 |
| Net interest income | 659,000 | 1,297,000 | 1,973,000 | 2,617,000 |
| Noninterest income | 25,000 | 62,000 | 88,000 | 116,000 |
| Noninterest expense | 421,000 | 813,000 | 1,236,000 | 1,646,000 |
| Provision for loan losses | 0 | 0 | 0 | 50,000 |
| Pretax income | 263,000 | 524,000 | 801,000 | 998,000 |
| Income tax | 8,000 | 19,000 | 31,000 | 40,000 |
| Net income | 255,000 | 505,000 | 770,000 | 958,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,069,000 | 5,209,000 | 5,138,000 | 5,327,000 |
| Total capital | 5,491,000 | 5,645,000 | 5,615,000 | 5,781,000 |
| Risk-weighted assets | 33,703,000 | 34,827,000 | 41,773,000 | 36,264,000 |