Call reports 2002
MONTGOMERY BANK & TRUST — 2002
What MONTGOMERY BANK & TRUST reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 122,074,000 | 121,963,000 | 124,596,000 | 127,375,000 |
| Total loans | 88,473,000 | 92,149,000 | 93,707,000 | 98,946,000 |
| Allowance for loan losses | 1,397,000 | 1,449,000 | 1,490,000 | 1,424,000 |
| Securities available for sale | 15,104,000 | 15,253,000 | 15,749,000 | 14,570,000 |
| Securities held to maturity | 893,000 | 876,000 | 852,000 | 848,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 109,234,000 | 107,610,000 | 110,946,000 | 108,033,000 |
| Interest-bearing deposits | 91,076,000 | 93,029,000 | 93,590,000 | 92,706,000 |
| Noninterest-bearing deposits | 18,158,000 | 14,581,000 | 17,356,000 | 15,327,000 |
| Equity capital | 10,933,000 | 11,399,000 | 11,943,000 | 12,339,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 2,296,000 | 4,647,000 | 7,011,000 | 9,352,000 |
| Interest expense | 930,000 | 1,813,000 | 2,642,000 | 3,435,000 |
| Net interest income | 1,366,000 | 2,834,000 | 4,369,000 | 5,917,000 |
| Noninterest income | 286,000 | 605,000 | 913,000 | 1,197,000 |
| Noninterest expense | 1,008,000 | 2,125,000 | 3,209,000 | 4,398,000 |
| Provision for loan losses | 57,000 | 114,000 | 171,000 | 228,000 |
| Pretax income | 587,000 | 1,201,000 | 1,903,000 | 2,489,000 |
| Income tax | 205,000 | 422,000 | 671,000 | 776,000 |
| Net income | 382,000 | 779,000 | 1,232,000 | 1,713,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,557,000 | 10,894,000 | 11,348,000 | 11,767,000 |
| Total capital | 11,691,000 | 12,062,000 | 12,544,000 | 13,022,000 |
| Risk-weighted assets | 90,482,000 | 93,126,000 | 95,368,000 | 100,266,000 |