Call reports 2002
FIRST NATIONAL BANK OF MONTGOMERY — 2002
What FIRST NATIONAL BANK OF MONTGOMERY reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 54,766,000 | 55,239,000 | 57,113,000 | 59,750,000 |
| Total loans | 39,324,000 | 39,935,000 | 39,683,000 | 38,761,000 |
| Allowance for loan losses | 500,000 | 578,000 | 589,000 | 485,000 |
| Securities available for sale | 11,352,000 | 10,990,000 | 10,347,000 | 9,685,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 48,108,000 | 48,489,000 | 50,109,000 | 52,964,000 |
| Interest-bearing deposits | 42,182,000 | 42,381,000 | 43,795,000 | 46,054,000 |
| Noninterest-bearing deposits | 5,926,000 | 6,108,000 | 6,314,000 | 6,910,000 |
| Equity capital | 5,981,000 | 6,171,000 | 6,291,000 | 6,273,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 883,000 | 1,804,000 | 2,714,000 | 3,569,000 |
| Interest expense | 347,000 | 672,000 | 995,000 | 1,316,000 |
| Net interest income | 536,000 | 1,132,000 | 1,719,000 | 2,253,000 |
| Noninterest income | 58,000 | 119,000 | 176,000 | 239,000 |
| Noninterest expense | 400,000 | 796,000 | 1,186,000 | 1,671,000 |
| Provision for loan losses | 40,000 | 115,000 | 185,000 | 185,000 |
| Pretax income | 154,000 | 340,000 | 524,000 | 636,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 154,000 | 340,000 | 524,000 | 636,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,836,000 | 5,960,000 | 6,071,000 | 6,109,000 |
| Total capital | 6,292,000 | 6,429,000 | 6,549,000 | 6,586,000 |
| Risk-weighted assets | 36,463,000 | 37,411,000 | 38,134,000 | 38,152,000 |