Call reports 2004
FIRST MONTANA BANK, INC. — 2004
What FIRST MONTANA BANK, INC. reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 220,438,000 | 228,883,000 | 236,721,000 | 237,448,000 |
| Total loans | 157,670,000 | 166,628,000 | 174,392,000 | 180,762,000 |
| Allowance for loan losses | 2,404,000 | 1,242,000 | 1,203,000 | 1,066,000 |
| Securities available for sale | 16,535,000 | 16,430,000 | 15,979,000 | 14,107,000 |
| Securities held to maturity | 12,333,000 | 11,376,000 | 10,650,000 | 10,119,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 190,457,000 | 196,649,000 | 206,320,000 | 204,659,000 |
| Interest-bearing deposits | 157,951,000 | 156,704,000 | 160,556,000 | 160,991,000 |
| Noninterest-bearing deposits | 32,506,000 | 39,945,000 | 45,764,000 | 43,668,000 |
| Equity capital | 20,992,000 | 20,563,000 | 21,155,000 | 21,376,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 3,253,000 | 6,552,000 | 10,027,000 | 13,615,000 |
| Interest expense | 659,000 | 1,284,000 | 1,918,000 | 2,570,000 |
| Net interest income | 2,594,000 | 5,268,000 | 8,109,000 | 11,045,000 |
| Noninterest income | 463,000 | 1,024,000 | 1,411,000 | 1,911,000 |
| Noninterest expense | 2,353,000 | 4,955,000 | 7,413,000 | 9,965,000 |
| Provision for loan losses | 105,000 | 675,000 | 675,000 | 675,000 |
| Pretax income | 599,000 | 662,000 | 1,432,000 | 2,316,000 |
| Income tax | 230,000 | 272,000 | 532,000 | 857,000 |
| Net income | 369,000 | 390,000 | 900,000 | 1,459,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,889,000 | 18,644,000 | 19,191,000 | 19,564,000 |
| Total capital | 21,042,000 | 19,886,000 | 20,394,000 | 20,630,000 |
| Risk-weighted assets | 172,005,000 | 183,464,000 | 195,753,000 | 196,223,000 |