Call reports 2008
MONTEZUMA STATE BANK, THE — 2008
What MONTEZUMA STATE BANK, THE reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 62,406,000 | 64,564,000 | 70,131,000 | 69,023,000 |
| Total loans | 20,892,000 | 25,742,000 | 32,981,000 | 26,184,000 |
| Allowance for loan losses | 488,000 | 488,000 | 449,000 | 449,000 |
| Securities available for sale | 35,018,000 | 36,122,000 | 34,365,000 | 39,897,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 55,488,000 | 55,946,000 | 52,428,000 | 60,391,000 |
| Interest-bearing deposits | 23,523,000 | 27,708,000 | 27,639,000 | 32,307,000 |
| Noninterest-bearing deposits | 31,965,000 | 28,238,000 | 24,789,000 | 28,084,000 |
| Equity capital | 5,786,000 | 4,895,000 | 5,387,000 | 6,442,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 824,000 | 1,652,000 | 2,557,000 | 3,409,000 |
| Interest expense | 163,000 | 351,000 | 536,000 | 699,000 |
| Net interest income | 661,000 | 1,301,000 | 2,021,000 | 2,710,000 |
| Noninterest income | 21,000 | 54,000 | 75,000 | 100,000 |
| Noninterest expense | 445,000 | 910,000 | 1,376,000 | 1,828,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 264,000 | 485,000 | 771,000 | 1,038,000 |
| Income tax | 12,000 | 22,000 | 34,000 | 46,000 |
| Net income | 252,000 | 463,000 | 737,000 | 992,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,543,000 | 5,593,000 | 5,606,000 | 5,851,000 |
| Total capital | 5,897,000 | 6,004,000 | 6,055,000 | 6,286,000 |
| Risk-weighted assets | 28,161,000 | 32,840,000 | 40,383,000 | 34,798,000 |