Call reports 2005
MONTGOMERY BANK — 2005
What MONTGOMERY BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 697,873,000 | 723,451,000 | 734,384,000 | 804,628,000 |
| Total loans | 565,774,000 | 586,529,000 | 603,991,000 | 607,367,000 |
| Allowance for loan losses | 4,299,000 | 4,567,000 | 4,974,000 | 5,054,000 |
| Securities available for sale | 62,256,000 | 64,312,000 | 69,142,000 | 106,877,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 559,232,000 | 601,016,000 | 591,684,000 | 638,646,000 |
| Interest-bearing deposits | 489,723,000 | 531,485,000 | 520,602,000 | 563,060,000 |
| Noninterest-bearing deposits | 69,509,000 | 69,531,000 | 71,082,000 | 75,586,000 |
| Equity capital | 67,375,000 | 67,234,000 | 68,343,000 | 67,493,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 8,805,000 | 18,399,000 | 28,883,000 | 40,221,000 |
| Interest expense | 3,195,000 | 6,967,000 | 11,334,000 | 16,381,000 |
| Net interest income | 5,610,000 | 11,432,000 | 17,549,000 | 23,840,000 |
| Noninterest income | 700,000 | 1,541,000 | 2,361,000 | 3,211,000 |
| Noninterest expense | 4,145,000 | 8,662,000 | 13,128,000 | 17,090,000 |
| Provision for loan losses | 49,000 | 493,000 | 954,000 | 1,109,000 |
| Pretax income | 2,116,000 | 3,818,000 | 5,828,000 | 8,852,000 |
| Income tax | 15,000 | 18,000 | 18,000 | 18,000 |
| Net income | 2,101,000 | 3,800,000 | 5,810,000 | 8,834,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 69,039,000 | 68,759,000 | 69,880,000 | 70,089,000 |
| Total capital | 73,464,000 | 73,645,000 | 75,196,000 | 75,404,000 |
| Risk-weighted assets | 573,423,000 | 583,805,000 | 605,254,000 | 624,767,000 |