Call reports 2006
MONTGOMERY BANK & TRUST — 2006
What MONTGOMERY BANK & TRUST reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 199,397,000 | 203,920,000 | 206,302,000 | 208,794,000 |
| Total loans | 159,427,000 | 159,348,000 | 153,639,000 | 149,067,000 |
| Allowance for loan losses | 1,917,000 | 1,930,000 | 2,004,000 | 2,045,000 |
| Securities available for sale | 16,047,000 | 16,232,000 | 16,871,000 | 16,863,000 |
| Securities held to maturity | 1,000 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 159,654,000 | 164,004,000 | 164,938,000 | 167,748,000 |
| Interest-bearing deposits | 137,385,000 | 143,224,000 | 145,704,000 | 148,531,000 |
| Noninterest-bearing deposits | 22,269,000 | 20,780,000 | 19,234,000 | 19,217,000 |
| Equity capital | 15,937,000 | 16,288,000 | 17,095,000 | 17,129,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 3,572,000 | 7,394,000 | 11,520,000 | 15,683,000 |
| Interest expense | 1,388,000 | 3,010,000 | 4,852,000 | 6,795,000 |
| Net interest income | 2,184,000 | 4,384,000 | 6,668,000 | 8,888,000 |
| Noninterest income | 441,000 | 943,000 | 1,441,000 | 1,953,000 |
| Noninterest expense | 1,653,000 | 3,213,000 | 4,907,000 | 6,686,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 300,000 |
| Pretax income | 897,000 | 1,918,000 | 2,931,000 | 3,809,000 |
| Income tax | 308,000 | 665,000 | 1,009,000 | 1,308,000 |
| Net income | 589,000 | 1,253,000 | 1,922,000 | 2,501,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,019,000 | 16,402,000 | 17,076,000 | 17,084,000 |
| Total capital | 17,936,000 | 18,332,000 | 19,076,000 | 19,046,000 |
| Risk-weighted assets | 159,192,000 | 164,200,000 | 159,983,000 | 156,847,000 |