Call reports 2008
MONTGOMERY BANK & TRUST — 2008
What MONTGOMERY BANK & TRUST reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 259,083,000 | 248,447,000 | 262,954,000 | 260,744,000 |
| Total loans | 192,345,000 | 202,319,000 | 206,766,000 | 199,955,000 |
| Allowance for loan losses | 2,330,000 | 2,406,000 | 2,461,000 | 4,043,000 |
| Securities available for sale | 18,180,000 | 17,926,000 | 17,830,000 | 20,163,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 219,032,000 | 208,440,000 | 222,496,000 | 221,869,000 |
| Interest-bearing deposits | 197,892,000 | 188,604,000 | 204,618,000 | 204,527,000 |
| Noninterest-bearing deposits | 21,140,000 | 19,836,000 | 17,878,000 | 17,342,000 |
| Equity capital | 19,438,000 | 19,304,000 | 19,860,000 | 19,030,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 4,723,000 | 9,303,000 | 13,747,000 | 17,858,000 |
| Interest expense | 2,392,000 | 4,584,000 | 6,728,000 | 8,819,000 |
| Net interest income | 2,331,000 | 4,719,000 | 7,019,000 | 9,039,000 |
| Noninterest income | 530,000 | 1,076,000 | 1,643,000 | 2,165,000 |
| Noninterest expense | 2,050,000 | 4,081,000 | 6,267,000 | 8,451,000 |
| Provision for loan losses | 84,000 | 168,000 | 252,000 | 2,080,000 |
| Pretax income | 736,000 | 1,806,000 | 2,403,000 | 933,000 |
| Income tax | 252,000 | 626,000 | 824,000 | 212,000 |
| Net income | 484,000 | 1,180,000 | 1,579,000 | 721,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,092,000 | 19,503,000 | 19,903,000 | 18,773,000 |
| Total capital | 21,422,000 | 21,909,000 | 22,364,000 | 21,421,000 |
| Risk-weighted assets | 206,421,000 | 209,503,000 | 216,905,000 | 210,484,000 |