Call reports 2003
MONTGOMERY BANK & TRUST — 2003
What MONTGOMERY BANK & TRUST reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 133,227,000 | 139,779,000 | 143,096,000 | 145,082,000 |
| Total loans | 100,675,000 | 104,893,000 | 106,199,000 | 113,592,000 |
| Allowance for loan losses | 1,474,000 | 1,517,000 | 1,576,000 | 1,604,000 |
| Securities available for sale | 14,378,000 | 14,471,000 | 14,716,000 | 14,603,000 |
| Securities held to maturity | 844,000 | 132,000 | 131,000 | 131,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 113,455,000 | 119,939,000 | 122,698,000 | 124,922,000 |
| Interest-bearing deposits | 96,023,000 | 100,070,000 | 104,501,000 | 105,179,000 |
| Noninterest-bearing deposits | 17,432,000 | 19,869,000 | 18,197,000 | 19,743,000 |
| Equity capital | 12,728,000 | 12,859,000 | 13,170,000 | 13,067,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 2,334,000 | 4,734,000 | 7,204,000 | 9,667,000 |
| Interest expense | 779,000 | 1,568,000 | 2,351,000 | 3,135,000 |
| Net interest income | 1,555,000 | 3,166,000 | 4,853,000 | 6,532,000 |
| Noninterest income | 361,000 | 754,000 | 1,168,000 | 1,560,000 |
| Noninterest expense | 1,180,000 | 2,563,000 | 3,944,000 | 5,295,000 |
| Provision for loan losses | 57,000 | 114,000 | 171,000 | 228,000 |
| Pretax income | 679,000 | 1,243,000 | 1,906,000 | 2,569,000 |
| Income tax | 237,000 | 433,000 | 669,000 | 834,000 |
| Net income | 442,000 | 810,000 | 1,237,000 | 1,735,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,148,000 | 12,243,000 | 12,676,000 | 12,623,000 |
| Total capital | 13,430,000 | 13,600,000 | 14,063,000 | 14,081,000 |
| Risk-weighted assets | 102,340,000 | 108,396,000 | 110,741,000 | 116,470,000 |