Call reports 2003
FIRST MONTANA BANK, INC. — 2003
What FIRST MONTANA BANK, INC. reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 169,667,000 | 180,071,000 | 193,181,000 | 215,489,000 |
| Total loans | 127,240,000 | 128,824,000 | 139,737,000 | 158,185,000 |
| Allowance for loan losses | 2,174,000 | 2,180,000 | 2,277,000 | 2,356,000 |
| Securities available for sale | 14,620,000 | 11,074,000 | 12,996,000 | 16,871,000 |
| Securities held to maturity | 8,518,000 | 14,520,000 | 14,000,000 | 12,950,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 150,394,000 | 160,099,000 | 169,390,000 | 184,516,000 |
| Interest-bearing deposits | 123,866,000 | 128,486,000 | 135,988,000 | 152,204,000 |
| Noninterest-bearing deposits | 26,528,000 | 31,613,000 | 33,402,000 | 32,312,000 |
| Equity capital | 13,296,000 | 15,036,000 | 15,494,000 | 20,856,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 2,872,000 | 5,709,000 | 8,640,000 | 12,703,000 |
| Interest expense | 631,000 | 1,250,000 | 1,863,000 | 2,758,000 |
| Net interest income | 2,241,000 | 4,459,000 | 6,777,000 | 9,945,000 |
| Noninterest income | 344,000 | 748,000 | 1,252,000 | 2,040,000 |
| Noninterest expense | 1,839,000 | 3,816,000 | 5,842,000 | 8,900,000 |
| Provision for loan losses | -2,000 | 80,000 | 197,000 | 317,000 |
| Pretax income | 748,000 | 1,311,000 | 1,990,000 | 2,768,000 |
| Income tax | 295,000 | 517,000 | 714,000 | 952,000 |
| Net income | 453,000 | 794,000 | 1,276,000 | 1,816,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,215,000 | 14,953,000 | 15,436,000 | 18,786,000 |
| Total capital | 14,808,000 | 16,621,000 | 17,277,000 | 20,884,000 |
| Risk-weighted assets | 126,882,000 | 132,913,000 | 146,861,000 | 167,619,000 |