Call reports 2003
MONTGOMERY BANK — 2003
What MONTGOMERY BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 577,673,000 | 580,842,000 | 591,841,000 | 589,148,000 |
| Total loans | 443,144,000 | 459,367,000 | 466,369,000 | 484,221,000 |
| Allowance for loan losses | 3,389,000 | 3,391,000 | 3,384,000 | 3,766,000 |
| Securities available for sale | 28,081,000 | 57,765,000 | 48,397,000 | 42,048,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 436,736,000 | 436,061,000 | 452,140,000 | 483,239,000 |
| Interest-bearing deposits | 379,215,000 | 373,895,000 | 382,162,000 | 408,365,000 |
| Noninterest-bearing deposits | 57,521,000 | 62,166,000 | 69,978,000 | 74,874,000 |
| Equity capital | 44,959,000 | 45,487,000 | 45,019,000 | 44,888,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 7,009,000 | 13,704,000 | 20,647,000 | 27,429,000 |
| Interest expense | 2,904,000 | 5,826,000 | 8,597,000 | 10,932,000 |
| Net interest income | 4,105,000 | 7,878,000 | 12,050,000 | 16,497,000 |
| Noninterest income | 903,000 | 1,825,000 | 2,744,000 | 3,335,000 |
| Noninterest expense | 3,600,000 | 7,037,000 | 10,763,000 | 14,521,000 |
| Provision for loan losses | 0 | 0 | 325,000 | 942,000 |
| Pretax income | 1,762,000 | 3,836,000 | 5,050,000 | 5,910,000 |
| Income tax | 20,000 | 33,000 | 40,000 | 48,000 |
| Net income | 1,742,000 | 3,803,000 | 5,010,000 | 5,862,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 44,477,000 | 44,939,000 | 45,009,000 | 44,844,000 |
| Total capital | 47,866,000 | 48,330,000 | 48,393,000 | 48,610,000 |
| Risk-weighted assets | 439,221,000 | 472,331,000 | 472,224,000 | 476,167,000 |