Call reports 2004
MONTGOMERY BANK — 2004
What MONTGOMERY BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 608,977,000 | 649,485,000 | 655,872,000 | 685,387,000 |
| Total loans | 496,796,000 | 533,506,000 | 549,098,000 | 569,354,000 |
| Allowance for loan losses | 3,970,000 | 4,523,000 | 4,724,000 | 4,912,000 |
| Securities available for sale | 50,603,000 | 56,760,000 | 40,874,000 | 54,587,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 497,876,000 | 500,683,000 | 529,108,000 | 560,314,000 |
| Interest-bearing deposits | 420,935,000 | 439,434,000 | 470,024,000 | 493,918,000 |
| Noninterest-bearing deposits | 76,941,000 | 61,249,000 | 59,084,000 | 66,396,000 |
| Equity capital | 45,354,000 | 69,336,000 | 70,083,000 | 69,371,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 6,719,000 | 13,990,000 | 21,918,000 | 30,326,000 |
| Interest expense | 2,150,000 | 4,343,000 | 6,853,000 | 9,748,000 |
| Net interest income | 4,569,000 | 9,647,000 | 15,065,000 | 20,578,000 |
| Noninterest income | 757,000 | 1,627,000 | 2,447,000 | 2,783,000 |
| Noninterest expense | 3,594,000 | 7,543,000 | 11,460,000 | 15,286,000 |
| Provision for loan losses | 200,000 | 766,000 | 1,242,000 | 1,560,000 |
| Pretax income | 1,596,000 | 3,029,000 | 5,231,000 | 6,936,000 |
| Income tax | 14,000 | 53,000 | 53,000 | 53,000 |
| Net income | 1,582,000 | 2,976,000 | 5,178,000 | 6,883,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 45,287,000 | 69,472,000 | 70,156,000 | 69,185,000 |
| Total capital | 49,257,000 | 73,995,000 | 74,880,000 | 74,228,000 |
| Risk-weighted assets | 492,139,000 | 533,411,000 | 542,633,000 | 570,867,000 |