Call reports 2008
MONTGOMERY BANK — 2008
What MONTGOMERY BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 964,009,000 | 941,306,000 | 930,886,000 | 983,127,000 |
| Total loans | 740,700,000 | 756,799,000 | 743,633,000 | 742,898,000 |
| Allowance for loan losses | 6,689,000 | 6,745,000 | 5,169,000 | 6,946,000 |
| Securities available for sale | 107,724,000 | 101,794,000 | 91,606,000 | 95,173,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 718,529,000 | 688,436,000 | 673,595,000 | 723,481,000 |
| Interest-bearing deposits | 657,984,000 | 623,783,000 | 605,013,000 | 646,305,000 |
| Noninterest-bearing deposits | 60,545,000 | 64,653,000 | 68,582,000 | 77,176,000 |
| Equity capital | 72,803,000 | 71,047,000 | 73,989,000 | 72,520,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 14,813,000 | 28,626,000 | 41,917,000 | 54,433,000 |
| Interest expense | 7,586,000 | 13,975,000 | 19,949,000 | 25,808,000 |
| Net interest income | 7,227,000 | 14,651,000 | 21,968,000 | 28,625,000 |
| Noninterest income | 964,000 | 2,187,000 | 3,469,000 | 4,535,000 |
| Noninterest expense | 6,156,000 | 12,674,000 | 18,611,000 | 25,274,000 |
| Provision for loan losses | 270,000 | 945,000 | 3,893,000 | 5,966,000 |
| Pretax income | 2,341,000 | 3,796,000 | 3,627,000 | 2,614,000 |
| Income tax | 15,000 | 30,000 | 45,000 | 60,000 |
| Net income | 2,326,000 | 3,766,000 | 3,582,000 | 2,554,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 71,917,000 | 71,902,000 | 75,211,000 | 73,380,000 |
| Total capital | 78,830,000 | 78,870,000 | 80,572,000 | 80,446,000 |
| Risk-weighted assets | 756,514,000 | 763,819,000 | 746,245,000 | 759,240,000 |