Call reports 2007
BANK OF MONTGOMERY — 2007
What BANK OF MONTGOMERY reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 35,978,000 | 35,339,000 | 34,700,000 | 34,457,000 |
| Total loans | 18,599,000 | 16,981,000 | 15,867,000 | 17,026,000 |
| Allowance for loan losses | 1,087,000 | 1,087,000 | 908,000 | 509,000 |
| Securities available for sale | 15,512,000 | 15,814,000 | 15,327,000 | 14,975,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 31,785,000 | 31,218,000 | 30,513,000 | 30,345,000 |
| Interest-bearing deposits | 25,320,000 | 25,400,000 | 24,915,000 | 24,985,000 |
| Noninterest-bearing deposits | 6,465,000 | 5,818,000 | 5,598,000 | 5,360,000 |
| Equity capital | 3,995,000 | 3,991,000 | 4,089,000 | 3,975,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 510,000 | 1,006,000 | 1,508,000 | 1,998,000 |
| Interest expense | 127,000 | 259,000 | 399,000 | 541,000 |
| Net interest income | 383,000 | 747,000 | 1,109,000 | 1,457,000 |
| Noninterest income | 67,000 | 135,000 | 215,000 | 186,000 |
| Noninterest expense | 309,000 | 609,000 | 909,000 | 1,301,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 145,000 | 277,000 | 419,000 | 354,000 |
| Income tax | 36,000 | 86,000 | 137,000 | 114,000 |
| Net income | 109,000 | 191,000 | 282,000 | 240,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,056,000 | 4,089,000 | 4,180,000 | 4,018,000 |
| Total capital | 4,380,000 | 4,408,000 | 4,485,000 | 4,338,000 |
| Risk-weighted assets | 25,127,000 | 24,355,000 | 23,780,000 | 25,563,000 |