Call reports 2013
BANK OF MONTGOMERY — 2013
What BANK OF MONTGOMERY reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 40,216,000 | 38,317,000 | 39,143,000 | 38,099,000 |
| Total loans | 13,648,000 | 13,863,000 | 13,515,000 | 13,299,000 |
| Allowance for loan losses | 282,000 | 288,000 | 301,000 | 227,000 |
| Securities available for sale | 12,490,000 | 11,927,000 | 13,276,000 | 11,968,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 36,410,000 | 34,765,000 | 35,519,000 | 34,628,000 |
| Interest-bearing deposits | 28,579,000 | 28,270,000 | 28,974,000 | 28,593,000 |
| Noninterest-bearing deposits | 7,831,000 | 6,495,000 | 6,545,000 | 6,034,000 |
| Equity capital | 3,755,000 | 3,491,000 | 3,567,000 | 3,439,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 294,000 | 581,000 | 879,000 | 1,140,000 |
| Interest expense | 42,000 | 82,000 | 121,000 | 161,000 |
| Net interest income | 252,000 | 499,000 | 758,000 | 979,000 |
| Noninterest income | 47,000 | 9,000 | 115,000 | 153,000 |
| Noninterest expense | 301,000 | 637,000 | 937,000 | 1,224,000 |
| Provision for loan losses | 4,000 | 4,000 | 4,000 | 53,000 |
| Pretax income | 3,000 | -124,000 | -41,000 | -74,000 |
| Income tax | 28,000 | 28,000 | 29,000 | 29,000 |
| Net income | -25,000 | -152,000 | -70,000 | -103,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,546,000 | 3,417,000 | 3,502,000 | 3,444,000 |
| Total capital | 3,700,000 | 3,576,000 | 3,736,000 | 3,598,000 |
| Risk-weighted assets | 17,050,000 | 17,261,000 | 20,314,000 | 16,660,000 |