Call reports 2003
BANK OF MONTGOMERY — 2003
What BANK OF MONTGOMERY reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 35,300,000 | 35,509,000 | 34,981,000 | 34,787,000 |
| Total loans | 19,747,000 | 19,570,000 | 19,012,000 | 20,456,000 |
| Allowance for loan losses | 401,000 | 416,000 | 417,000 | 389,000 |
| Securities available for sale | 11,329,000 | 12,151,000 | 11,752,000 | 10,536,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 30,558,000 | 30,613,000 | 30,085,000 | 30,226,000 |
| Interest-bearing deposits | 25,500,000 | 25,200,000 | 25,341,000 | 25,037,000 |
| Noninterest-bearing deposits | 5,058,000 | 5,413,000 | 4,744,000 | 5,189,000 |
| Equity capital | 4,521,000 | 4,674,000 | 4,709,000 | 4,408,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 502,000 | 999,000 | 1,481,000 | 1,944,000 |
| Interest expense | 94,000 | 183,000 | 264,000 | 335,000 |
| Net interest income | 408,000 | 816,000 | 1,217,000 | 1,609,000 |
| Noninterest income | 48,000 | 95,000 | 154,000 | 204,000 |
| Noninterest expense | 276,000 | 552,000 | 826,000 | 1,352,000 |
| Provision for loan losses | 18,000 | 18,000 | 18,000 | 18,000 |
| Pretax income | 162,000 | 341,000 | 527,000 | 445,000 |
| Income tax | 53,000 | 112,000 | 174,000 | 144,000 |
| Net income | 109,000 | 229,000 | 353,000 | 301,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,329,000 | 4,401,000 | 4,525,000 | 4,245,000 |
| Total capital | 4,647,000 | 4,723,000 | 4,849,000 | 4,579,000 |
| Risk-weighted assets | 25,395,000 | 25,678,000 | 25,787,000 | 26,703,000 |