Call reports 2007
FIRST NATIONAL BANK OF MONTGOMERY — 2007
What FIRST NATIONAL BANK OF MONTGOMERY reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 60,923,000 | 63,000,000 | 63,031,000 | 60,850,000 |
| Total loans | 43,924,000 | 43,929,000 | 43,321,000 | 42,334,000 |
| Allowance for loan losses | 634,000 | 395,000 | 409,000 | 418,000 |
| Securities available for sale | 7,548,000 | 7,856,000 | 6,944,000 | 7,385,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 53,123,000 | 55,041,000 | 54,975,000 | 52,893,000 |
| Interest-bearing deposits | 46,343,000 | 47,133,000 | 47,054,000 | 45,434,000 |
| Noninterest-bearing deposits | 6,780,000 | 7,908,000 | 7,921,000 | 7,460,000 |
| Equity capital | 7,096,000 | 7,115,000 | 7,238,000 | 7,173,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 934,000 | 1,862,000 | 2,808,000 | 3,740,000 |
| Interest expense | 391,000 | 797,000 | 1,213,000 | 1,617,000 |
| Net interest income | 543,000 | 1,065,000 | 1,595,000 | 2,123,000 |
| Noninterest income | 68,000 | 159,000 | 219,000 | 301,000 |
| Noninterest expense | 451,000 | 934,000 | 1,377,000 | 1,934,000 |
| Provision for loan losses | 0 | 25,000 | 60,000 | 125,000 |
| Pretax income | 160,000 | 265,000 | 377,000 | 365,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 160,000 | 265,000 | 377,000 | 365,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,159,000 | 7,199,000 | 7,247,000 | 7,110,000 |
| Total capital | 7,694,000 | 7,594,000 | 7,656,000 | 7,528,000 |
| Risk-weighted assets | 42,730,000 | 43,184,000 | 42,264,000 | 41,032,000 |