Call reports 2003
FIRST NATIONAL BANK OF MONTGOMERY — 2003
What FIRST NATIONAL BANK OF MONTGOMERY 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 | 61,311,000 | 60,339,000 | 59,980,000 | 59,494,000 |
| Total loans | 38,198,000 | 38,583,000 | 37,492,000 | 37,881,000 |
| Allowance for loan losses | 495,000 | 603,000 | 413,000 | 400,000 |
| Securities available for sale | 10,839,000 | 11,771,000 | 13,349,000 | 13,403,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 54,409,000 | 53,416,000 | 53,548,000 | 52,970,000 |
| Interest-bearing deposits | 46,782,000 | 47,380,000 | 46,550,000 | 46,666,000 |
| Noninterest-bearing deposits | 7,626,000 | 6,036,000 | 6,998,000 | 6,304,000 |
| Equity capital | 6,375,000 | 6,236,000 | 5,922,000 | 6,036,000 |
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 | 787,000 | 1,558,000 | 2,322,000 | 3,091,000 |
| Interest expense | 300,000 | 583,000 | 844,000 | 1,092,000 |
| Net interest income | 487,000 | 975,000 | 1,478,000 | 1,999,000 |
| Noninterest income | 73,000 | 148,000 | 223,000 | 300,000 |
| Noninterest expense | 412,000 | 821,000 | 1,253,000 | 1,688,000 |
| Provision for loan losses | 0 | 100,000 | 355,000 | 361,000 |
| Pretax income | 148,000 | 202,000 | 93,000 | 250,000 |
| Income tax | 0 | 0 | 0 | 2,000 |
| Net income | 148,000 | 202,000 | 93,000 | 248,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,212,000 | 6,087,000 | 5,909,000 | 6,039,000 |
| Total capital | 6,685,000 | 6,566,000 | 6,322,000 | 6,439,000 |
| Risk-weighted assets | 37,850,000 | 38,184,000 | 37,616,000 | 38,005,000 |