Call reports 2002
MONTGOMERY BANK — 2002
What MONTGOMERY BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 546,525,000 | 529,331,000 | 543,879,000 | 584,051,000 |
| Total loans | 361,566,000 | 368,487,000 | 395,332,000 | 436,595,000 |
| Allowance for loan losses | 3,127,000 | 2,880,000 | 3,070,000 | 3,392,000 |
| Securities available for sale | 132,894,000 | 80,482,000 | 84,091,000 | 84,620,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 367,941,000 | 367,279,000 | 363,167,000 | 366,460,000 |
| Interest-bearing deposits | 327,718,000 | 315,814,000 | 312,452,000 | 316,864,000 |
| Noninterest-bearing deposits | 40,223,000 | 51,465,000 | 50,715,000 | 49,596,000 |
| Equity capital | 43,211,000 | 43,939,000 | 45,177,000 | 44,454,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 7,576,000 | 15,084,000 | 22,424,000 | 29,834,000 |
| Interest expense | 3,392,000 | 6,573,000 | 9,658,000 | 12,625,000 |
| Net interest income | 4,184,000 | 8,511,000 | 12,766,000 | 17,209,000 |
| Noninterest income | 637,000 | 1,399,000 | 2,034,000 | 2,773,000 |
| Noninterest expense | 3,514,000 | 7,188,000 | 11,403,000 | 14,897,000 |
| Provision for loan losses | 0 | 612,000 | 812,000 | 1,412,000 |
| Pretax income | 1,355,000 | 2,721,000 | 4,009,000 | 5,580,000 |
| Income tax | 66,000 | 85,000 | 105,000 | 124,000 |
| Net income | 1,289,000 | 2,636,000 | 3,904,000 | 5,456,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 42,992,000 | 42,890,000 | 42,979,000 | 43,811,000 |
| Total capital | 46,119,000 | 45,770,000 | 46,049,000 | 47,203,000 |
| Risk-weighted assets | 382,039,000 | 398,938,000 | 417,950,000 | 453,367,000 |