Call reports 2015
MONTGOMERY BANK — 2015
What MONTGOMERY BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 879,007,000 | 855,417,000 | 849,260,000 | 863,012,000 |
| Total loans | 682,882,000 | 688,141,000 | 704,506,000 | 695,466,000 |
| Allowance for loan losses | 8,689,000 | 8,481,000 | 8,317,000 | 8,307,000 |
| Securities available for sale | 117,821,000 | 92,793,000 | 69,754,000 | 83,065,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 691,076,000 | 664,380,000 | 663,125,000 | 676,416,000 |
| Interest-bearing deposits | 553,965,000 | 528,091,000 | 519,888,000 | 523,884,000 |
| Noninterest-bearing deposits | 137,111,000 | 136,289,000 | 143,237,000 | 152,532,000 |
| Equity capital | 77,644,000 | 76,797,000 | 77,500,000 | 77,407,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 7,825,000 | 15,751,000 | 23,658,000 | 31,530,000 |
| Interest expense | 792,000 | 1,585,000 | 2,356,000 | 3,171,000 |
| Net interest income | 7,033,000 | 14,166,000 | 21,302,000 | 28,359,000 |
| Noninterest income | 898,000 | 2,021,000 | 2,860,000 | 3,893,000 |
| Noninterest expense | 6,041,000 | 11,934,000 | 18,081,000 | 24,066,000 |
| Provision for loan losses | 358,000 | 1,062,000 | 1,395,000 | 1,814,000 |
| Pretax income | 2,129,000 | 4,087,000 | 5,582,000 | 7,504,000 |
| Income tax | 0 | 13,000 | 13,000 | 7,000 |
| Net income | 2,129,000 | 4,074,000 | 5,569,000 | 7,497,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 77,638,000 | 77,218,000 | 77,447,000 | 77,729,000 |
| Total capital | 86,405,000 | 85,819,000 | 86,001,000 | 86,284,000 |
| Risk-weighted assets | 701,287,000 | 706,318,000 | 711,757,000 | 712,559,000 |