Call reports 2006
MONTGOMERY BANK — 2006
What MONTGOMERY BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 849,323,000 | 892,348,000 | 891,934,000 | 909,544,000 |
| Total loans | 613,231,000 | 654,961,000 | 656,596,000 | 673,330,000 |
| Allowance for loan losses | 5,366,000 | 5,975,000 | 6,156,000 | 6,465,000 |
| Securities available for sale | 145,063,000 | 170,112,000 | 168,972,000 | 161,478,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 637,562,000 | 647,914,000 | 674,086,000 | 712,008,000 |
| Interest-bearing deposits | 573,316,000 | 577,024,000 | 606,908,000 | 641,947,000 |
| Noninterest-bearing deposits | 64,246,000 | 70,890,000 | 67,178,000 | 70,061,000 |
| Equity capital | 69,488,000 | 66,636,000 | 69,507,000 | 70,073,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 12,415,000 | 26,208,000 | 41,040,000 | 56,072,000 |
| Interest expense | 6,116,000 | 13,073,000 | 20,979,000 | 29,220,000 |
| Net interest income | 6,299,000 | 13,135,000 | 20,061,000 | 26,852,000 |
| Noninterest income | 819,000 | 1,617,000 | 2,043,000 | 2,758,000 |
| Noninterest expense | 4,567,000 | 9,301,000 | 14,273,000 | 19,530,000 |
| Provision for loan losses | 321,000 | 1,038,000 | 1,698,000 | 2,398,000 |
| Pretax income | 2,230,000 | 4,372,000 | 6,092,000 | 7,641,000 |
| Income tax | 10,000 | 25,000 | 39,000 | 55,000 |
| Net income | 2,220,000 | 4,347,000 | 6,053,000 | 7,586,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 71,765,000 | 70,197,000 | 70,587,000 | 69,711,000 |
| Total capital | 77,374,000 | 76,325,000 | 76,896,000 | 76,338,000 |
| Risk-weighted assets | 641,340,000 | 674,186,000 | 681,618,000 | 696,034,000 |