Call reports 2004
MONTGOMERY BANK & TRUST — 2004
What MONTGOMERY BANK & TRUST reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 151,696,000 | 148,928,000 | 155,810,000 | 155,835,000 |
| Total loans | 115,605,000 | 115,110,000 | 118,233,000 | 121,632,000 |
| Allowance for loan losses | 1,631,000 | 1,678,000 | 1,688,000 | 1,746,000 |
| Securities available for sale | 14,614,000 | 14,896,000 | 14,922,000 | 14,179,000 |
| Securities held to maturity | 105,000 | 104,000 | 103,000 | 102,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 125,988,000 | 123,492,000 | 124,469,000 | 124,403,000 |
| Interest-bearing deposits | 105,778,000 | 107,085,000 | 106,374,000 | 106,727,000 |
| Noninterest-bearing deposits | 20,210,000 | 16,407,000 | 18,095,000 | 17,676,000 |
| Equity capital | 13,500,000 | 13,387,000 | 13,969,000 | 14,282,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 2,477,000 | 4,916,000 | 7,412,000 | 10,041,000 |
| Interest expense | 712,000 | 1,424,000 | 2,169,000 | 2,912,000 |
| Net interest income | 1,765,000 | 3,492,000 | 5,243,000 | 7,129,000 |
| Noninterest income | 357,000 | 764,000 | 1,258,000 | 1,574,000 |
| Noninterest expense | 1,387,000 | 2,799,000 | 4,302,000 | 5,673,000 |
| Provision for loan losses | 57,000 | 114,000 | 171,000 | 228,000 |
| Pretax income | 678,000 | 1,343,000 | 2,028,000 | 2,802,000 |
| Income tax | 255,000 | 507,000 | 684,000 | 896,000 |
| Net income | 423,000 | 836,000 | 1,344,000 | 1,906,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,051,000 | 13,191,000 | 13,704,000 | 14,117,000 |
| Total capital | 14,542,000 | 14,672,000 | 15,228,000 | 15,675,000 |
| Risk-weighted assets | 119,130,000 | 118,264,000 | 121,720,000 | 124,459,000 |