Call reports 2004
BANK OF MONTGOMERY — 2004
What BANK OF MONTGOMERY reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 35,545,000 | 37,464,000 | 39,327,000 | 36,668,000 |
| Total loans | 21,440,000 | 19,223,000 | 18,827,000 | 18,602,000 |
| Allowance for loan losses | 420,000 | 408,000 | 412,000 | 435,000 |
| Securities available for sale | 8,243,000 | 10,825,000 | 12,859,000 | 11,762,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 30,787,000 | 32,897,000 | 34,578,000 | 32,474,000 |
| Interest-bearing deposits | 25,467,000 | 27,105,000 | 27,066,000 | 25,815,000 |
| Noninterest-bearing deposits | 5,320,000 | 5,792,000 | 7,512,000 | 6,659,000 |
| Equity capital | 4,550,000 | 4,447,000 | 4,619,000 | 4,128,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 454,000 | 895,000 | 1,340,000 | 1,789,000 |
| Interest expense | 66,000 | 136,000 | 207,000 | 277,000 |
| Net interest income | 388,000 | 759,000 | 1,133,000 | 1,512,000 |
| Noninterest income | 52,000 | 105,000 | 180,000 | 252,000 |
| Noninterest expense | 284,000 | 559,000 | 838,000 | 1,133,000 |
| Provision for loan losses | 18,000 | 18,000 | 18,000 | 619,000 |
| Pretax income | 144,000 | 293,000 | 467,000 | 22,000 |
| Income tax | 46,000 | 97,000 | 153,000 | -1,000 |
| Net income | 98,000 | 196,000 | 314,000 | 23,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,343,000 | 4,393,000 | 4,511,000 | 4,088,000 |
| Total capital | 4,665,000 | 4,707,000 | 4,823,000 | 4,403,000 |
| Risk-weighted assets | 25,781,000 | 25,011,000 | 24,843,000 | 25,082,000 |