Call reports 2005
FIRST NATIONAL BANK OF MONTGOMERY — 2005
What FIRST NATIONAL BANK OF MONTGOMERY reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 59,040,000 | 60,296,000 | 61,873,000 | 59,563,000 |
| Total loans | 40,271,000 | 42,433,000 | 43,167,000 | 42,747,000 |
| Allowance for loan losses | 616,000 | 618,000 | 660,000 | 623,000 |
| Securities available for sale | 10,444,000 | 10,421,000 | 10,437,000 | 9,742,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 52,285,000 | 53,191,000 | 54,529,000 | 52,440,000 |
| Interest-bearing deposits | 45,757,000 | 46,422,000 | 47,344,000 | 44,877,000 |
| Noninterest-bearing deposits | 6,528,000 | 6,769,000 | 7,185,000 | 7,563,000 |
| Equity capital | 6,322,000 | 6,556,000 | 6,751,000 | 6,593,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 765,000 | 1,575,000 | 2,434,000 | 3,298,000 |
| Interest expense | 207,000 | 431,000 | 694,000 | 975,000 |
| Net interest income | 558,000 | 1,144,000 | 1,740,000 | 2,323,000 |
| Noninterest income | 77,000 | 151,000 | 220,000 | 290,000 |
| Noninterest expense | 442,000 | 862,000 | 1,336,000 | 1,826,000 |
| Provision for loan losses | 0 | 0 | 58,000 | 58,000 |
| Pretax income | 193,000 | 433,000 | 566,000 | 629,000 |
| Income tax | 0 | 0 | 1,000 | 1,000 |
| Net income | 193,000 | 433,000 | 565,000 | 628,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,620,000 | 6,775,000 | 6,825,000 | 6,806,000 |
| Total capital | 7,124,000 | 7,304,000 | 7,367,000 | 7,329,000 |
| Risk-weighted assets | 40,184,000 | 42,215,000 | 43,222,000 | 41,725,000 |