Call reports 2009
MONTGOMERY BANK & TRUST — 2009
What MONTGOMERY BANK & TRUST reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 259,255,000 | 264,763,000 | 262,333,000 | 245,176,000 |
| Total loans | 197,377,000 | 179,205,000 | 169,785,000 | 156,385,000 |
| Allowance for loan losses | 2,879,000 | 4,589,000 | 4,694,000 | 1,881,000 |
| Securities available for sale | 18,739,000 | 17,810,000 | 16,793,000 | 15,437,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 221,034,000 | 231,060,000 | 227,263,000 | 219,379,000 |
| Interest-bearing deposits | 203,202,000 | 212,462,000 | 210,143,000 | 201,062,000 |
| Noninterest-bearing deposits | 17,832,000 | 18,598,000 | 17,120,000 | 18,317,000 |
| Equity capital | 19,054,000 | 16,169,000 | 17,968,000 | 9,135,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 3,757,000 | 7,396,000 | 10,694,000 | 13,361,000 |
| Interest expense | 1,929,000 | 3,847,000 | 5,672,000 | 7,272,000 |
| Net interest income | 1,828,000 | 3,549,000 | 5,022,000 | 6,089,000 |
| Noninterest income | 488,000 | 933,000 | 1,273,000 | 1,454,000 |
| Noninterest expense | 1,975,000 | 4,086,000 | 6,307,000 | 8,560,000 |
| Provision for loan losses | 96,000 | 5,684,000 | 6,172,000 | 15,455,000 |
| Pretax income | 426,000 | -5,107,000 | -6,003,000 | -16,025,000 |
| Income tax | 141,000 | -1,957,000 | -2,309,000 | -3,749,000 |
| Net income | 285,000 | -3,150,000 | -3,694,000 | -12,276,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,101,000 | 14,430,000 | 16,298,000 | 9,157,000 |
| Total capital | 21,750,000 | 17,065,000 | 18,859,000 | 11,038,000 |
| Risk-weighted assets | 211,713,000 | 208,837,000 | 202,711,000 | 187,301,000 |