Call reports 2006
BANK OF MONTGOMERY — 2006
What BANK OF MONTGOMERY reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 35,982,000 | 37,800,000 | 36,850,000 | 36,513,000 |
| Total loans | 22,722,000 | 21,644,000 | 20,431,000 | 18,457,000 |
| Allowance for loan losses | 623,000 | 399,000 | 1,089,000 | 1,264,000 |
| Securities available for sale | 11,415,000 | 11,432,000 | 12,211,000 | 15,120,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 31,644,000 | 33,528,000 | 32,881,000 | 32,436,000 |
| Interest-bearing deposits | 25,103,000 | 24,862,000 | 24,533,000 | 26,150,000 |
| Noninterest-bearing deposits | 6,541,000 | 8,666,000 | 8,348,000 | 6,286,000 |
| Equity capital | 4,138,000 | 4,170,000 | 3,849,000 | 3,867,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 499,000 | 1,034,000 | 1,517,000 | 2,029,000 |
| Interest expense | 96,000 | 197,000 | 309,000 | 435,000 |
| Net interest income | 403,000 | 837,000 | 1,208,000 | 1,594,000 |
| Noninterest income | 44,000 | 92,000 | 166,000 | 222,000 |
| Noninterest expense | 292,000 | 572,000 | 862,000 | 1,191,000 |
| Provision for loan losses | 18,000 | 36,000 | 734,000 | 752,000 |
| Pretax income | 135,000 | 319,000 | -224,000 | -129,000 |
| Income tax | 34,000 | 105,000 | -75,000 | -39,000 |
| Net income | 101,000 | 214,000 | -149,000 | -90,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,258,000 | 4,323,000 | 3,959,000 | 3,947,000 |
| Total capital | 4,611,000 | 4,663,000 | 4,297,000 | 4,275,000 |
| Risk-weighted assets | 27,754,000 | 27,119,000 | 26,474,000 | 25,315,000 |