Call reports 2007
MONTEZUMA STATE BANK, THE — 2007
What MONTEZUMA STATE BANK, THE reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 49,353,000 | 51,053,000 | 55,933,000 | 56,360,000 |
| Total loans | 27,639,000 | 30,145,000 | 30,130,000 | 27,529,000 |
| Allowance for loan losses | 518,000 | 515,000 | 515,000 | 486,000 |
| Securities available for sale | 18,727,000 | 18,419,000 | 22,974,000 | 24,669,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 44,310,000 | 44,529,000 | 44,195,000 | 48,289,000 |
| Interest-bearing deposits | 21,723,000 | 22,088,000 | 20,995,000 | 21,334,000 |
| Noninterest-bearing deposits | 22,587,000 | 22,441,000 | 23,200,000 | 26,955,000 |
| Equity capital | 4,938,000 | 4,746,000 | 5,065,000 | 5,575,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 799,000 | 1,618,000 | 2,523,000 | 3,387,000 |
| Interest expense | 149,000 | 308,000 | 508,000 | 680,000 |
| Net interest income | 650,000 | 1,310,000 | 2,015,000 | 2,707,000 |
| Noninterest income | 26,000 | 62,000 | 84,000 | 110,000 |
| Noninterest expense | 448,000 | 884,000 | 1,331,000 | 1,779,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 228,000 | 488,000 | 774,000 | 1,044,000 |
| Income tax | 8,000 | 20,000 | 32,000 | 44,000 |
| Net income | 220,000 | 468,000 | 742,000 | 1,000,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,264,000 | 5,361,000 | 5,376,000 | 5,629,000 |
| Total capital | 5,669,000 | 5,796,000 | 5,822,000 | 6,043,000 |
| Risk-weighted assets | 32,277,000 | 34,742,000 | 35,615,000 | 33,068,000 |