Call reports 2005
MONTGOMERY BANK & TRUST — 2005
What MONTGOMERY BANK & TRUST reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 167,039,000 | 170,860,000 | 179,917,000 | 192,476,000 |
| Total loans | 122,438,000 | 132,441,000 | 141,475,000 | 150,393,000 |
| Allowance for loan losses | 1,775,000 | 1,771,000 | 1,796,000 | 1,857,000 |
| Securities available for sale | 15,147,000 | 16,126,000 | 15,741,000 | 15,114,000 |
| Securities held to maturity | 101,000 | 1,000 | 1,000 | 1,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 132,022,000 | 131,636,000 | 141,595,000 | 150,775,000 |
| Interest-bearing deposits | 111,321,000 | 113,617,000 | 119,992,000 | 129,632,000 |
| Noninterest-bearing deposits | 20,701,000 | 18,019,000 | 21,603,000 | 21,143,000 |
| Equity capital | 14,548,000 | 14,784,000 | 15,361,000 | 15,357,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 2,671,000 | 5,445,000 | 8,477,000 | 11,725,000 |
| Interest expense | 814,000 | 1,684,000 | 2,720,000 | 3,884,000 |
| Net interest income | 1,857,000 | 3,761,000 | 5,757,000 | 7,841,000 |
| Noninterest income | 317,000 | 683,000 | 1,221,000 | 1,720,000 |
| Noninterest expense | 1,494,000 | 2,982,000 | 4,516,000 | 6,124,000 |
| Provision for loan losses | 57,000 | 114,000 | 171,000 | 240,000 |
| Pretax income | 642,000 | 1,367,000 | 2,310,000 | 3,216,000 |
| Income tax | 231,000 | 466,000 | 786,000 | 1,064,000 |
| Net income | 411,000 | 901,000 | 1,524,000 | 2,152,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,534,000 | 14,739,000 | 15,369,000 | 15,427,000 |
| Total capital | 16,106,000 | 16,409,000 | 17,156,000 | 17,284,000 |
| Risk-weighted assets | 125,551,000 | 133,495,000 | 142,970,000 | 150,161,000 |