Call reports 2007
MONTGOMERY BANK & TRUST — 2007
What MONTGOMERY BANK & TRUST reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 213,228,000 | 210,268,000 | 230,008,000 | 250,925,000 |
| Total loans | 153,884,000 | 166,952,000 | 180,145,000 | 187,608,000 |
| Allowance for loan losses | 2,116,000 | 2,184,000 | 2,237,000 | 2,265,000 |
| Securities available for sale | 16,844,000 | 16,579,000 | 16,714,000 | 16,862,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 171,226,000 | 169,915,000 | 184,298,000 | 211,364,000 |
| Interest-bearing deposits | 148,058,000 | 148,597,000 | 165,220,000 | 192,826,000 |
| Noninterest-bearing deposits | 23,168,000 | 21,318,000 | 19,078,000 | 18,538,000 |
| Equity capital | 17,686,000 | 17,951,000 | 18,787,000 | 19,024,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 4,181,000 | 8,530,000 | 13,171,000 | 18,088,000 |
| Interest expense | 1,948,000 | 3,928,000 | 6,049,000 | 8,411,000 |
| Net interest income | 2,233,000 | 4,602,000 | 7,122,000 | 9,677,000 |
| Noninterest income | 470,000 | 959,000 | 1,532,000 | 2,083,000 |
| Noninterest expense | 1,820,000 | 3,588,000 | 5,507,000 | 7,470,000 |
| Provision for loan losses | 75,000 | 150,000 | 231,000 | 315,000 |
| Pretax income | 808,000 | 1,823,000 | 2,916,000 | 3,975,000 |
| Income tax | 274,000 | 620,000 | 1,005,000 | 1,379,000 |
| Net income | 534,000 | 1,203,000 | 1,911,000 | 2,596,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,624,000 | 18,010,000 | 18,723,000 | 18,834,000 |
| Total capital | 19,658,000 | 20,189,000 | 20,960,000 | 21,099,000 |
| Risk-weighted assets | 162,618,000 | 174,338,000 | 189,408,000 | 199,786,000 |