Call reports 2007
MONTGOMERY BANK — 2007
What MONTGOMERY BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 917,066,000 | 917,418,000 | 952,916,000 | 964,259,000 |
| Total loans | 688,335,000 | 702,205,000 | 717,962,000 | 746,482,000 |
| Allowance for loan losses | 6,671,000 | 6,693,000 | 6,869,000 | 6,512,000 |
| Securities available for sale | 154,909,000 | 139,289,000 | 129,688,000 | 125,997,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 713,533,000 | 712,460,000 | 712,161,000 | 693,556,000 |
| Interest-bearing deposits | 647,100,000 | 641,960,000 | 646,178,000 | 619,204,000 |
| Noninterest-bearing deposits | 66,433,000 | 70,500,000 | 65,983,000 | 74,352,000 |
| Equity capital | 70,600,000 | 68,346,000 | 70,647,000 | 70,804,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 15,013,000 | 30,471,000 | 46,371,000 | 61,992,000 |
| Interest expense | 8,200,000 | 16,380,000 | 24,915,000 | 33,205,000 |
| Net interest income | 6,813,000 | 14,091,000 | 21,456,000 | 28,787,000 |
| Noninterest income | 1,044,000 | 2,878,000 | 3,939,000 | 5,009,000 |
| Noninterest expense | 5,468,000 | 11,229,000 | 16,746,000 | 23,302,000 |
| Provision for loan losses | 311,000 | 616,000 | 1,013,000 | 1,748,000 |
| Pretax income | 2,078,000 | 5,124,000 | 7,636,000 | 8,746,000 |
| Income tax | 15,000 | 33,000 | 51,000 | 89,000 |
| Net income | 2,063,000 | 5,091,000 | 7,585,000 | 8,657,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 70,272,000 | 70,096,000 | 70,550,000 | 70,526,000 |
| Total capital | 77,115,000 | 76,965,000 | 77,626,000 | 77,271,000 |
| Risk-weighted assets | 713,757,000 | 719,721,000 | 739,117,000 | 760,816,000 |