Call reports 2002
BANK OF MONTGOMERY — 2002
What BANK OF MONTGOMERY reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 34,850,000 | 34,202,000 | 34,365,000 | 34,209,000 |
| Total loans | 19,472,000 | 20,516,000 | 19,720,000 | 19,098,000 |
| Allowance for loan losses | 390,000 | 381,000 | 393,000 | 392,000 |
| Securities available for sale | 10,285,000 | 10,679,000 | 10,821,000 | 11,028,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 30,362,000 | 29,552,000 | 29,500,000 | 29,609,000 |
| Interest-bearing deposits | 24,347,000 | 24,281,000 | 23,800,000 | 24,299,000 |
| Noninterest-bearing deposits | 6,015,000 | 5,271,000 | 5,700,000 | 5,310,000 |
| Equity capital | 4,305,000 | 4,464,000 | 4,660,000 | 4,397,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 524,000 | 1,065,000 | 1,613,000 | 2,116,000 |
| Interest expense | 126,000 | 241,000 | 350,000 | 451,000 |
| Net interest income | 398,000 | 824,000 | 1,263,000 | 1,665,000 |
| Noninterest income | 50,000 | 98,000 | 168,000 | 220,000 |
| Noninterest expense | 273,000 | 534,000 | 799,000 | 1,327,000 |
| Provision for loan losses | 15,000 | 33,000 | 51,000 | 51,000 |
| Pretax income | 160,000 | 355,000 | 581,000 | 507,000 |
| Income tax | 52,000 | 115,000 | 189,000 | 164,000 |
| Net income | 108,000 | 240,000 | 392,000 | 343,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,231,000 | 4,321,000 | 4,473,000 | 4,220,000 |
| Total capital | 4,518,000 | 4,618,000 | 4,766,000 | 4,515,000 |
| Risk-weighted assets | 22,831,000 | 23,646,000 | 23,367,000 | 23,465,000 |