Call reports 2004
FIRST NATIONAL BANK OF MONTGOMERY — 2004
What FIRST NATIONAL BANK OF MONTGOMERY 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 | 59,202,000 | 58,761,000 | 58,879,000 | 59,934,000 |
| Total loans | 37,585,000 | 38,748,000 | 39,653,000 | 39,801,000 |
| Allowance for loan losses | 466,000 | 638,000 | 645,000 | 612,000 |
| Securities available for sale | 12,488,000 | 12,198,000 | 11,588,000 | 10,728,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 52,249,000 | 52,153,000 | 51,945,000 | 53,192,000 |
| Interest-bearing deposits | 45,829,000 | 45,495,000 | 44,590,000 | 45,336,000 |
| Noninterest-bearing deposits | 6,420,000 | 6,658,000 | 7,355,000 | 7,856,000 |
| Equity capital | 6,292,000 | 6,109,000 | 6,499,000 | 6,269,000 |
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 | 765,000 | 1,522,000 | 2,343,000 | 3,133,000 |
| Interest expense | 229,000 | 445,000 | 655,000 | 859,000 |
| Net interest income | 536,000 | 1,077,000 | 1,688,000 | 2,274,000 |
| Noninterest income | 73,000 | 152,000 | 231,000 | 292,000 |
| Noninterest expense | 419,000 | 764,000 | 1,165,000 | 1,656,000 |
| Provision for loan losses | 50,000 | 230,000 | 265,000 | 265,000 |
| Pretax income | 140,000 | 235,000 | 489,000 | 645,000 |
| Income tax | 0 | 0 | 1,000 | 1,000 |
| Net income | 140,000 | 235,000 | 488,000 | 644,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,180,000 | 6,277,000 | 6,530,000 | 6,426,000 |
| Total capital | 6,646,000 | 6,761,000 | 7,020,000 | 6,928,000 |
| Risk-weighted assets | 37,551,000 | 38,572,000 | 39,067,000 | 40,023,000 |