Call reports 2010
MONTANA STATE BANK — 2010
What MONTANA STATE BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 58,185,000 | 57,493,000 | 60,899,000 | 63,167,000 |
| Total loans | 25,930,000 | 29,757,000 | 32,224,000 | 29,527,000 |
| Allowance for loan losses | 490,000 | 489,000 | 499,000 | 498,000 |
| Securities available for sale | 15,578,000 | 13,432,000 | 11,981,000 | 9,780,000 |
| Securities held to maturity | 395,000 | 145,000 | 50,000 | 50,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 51,575,000 | 50,982,000 | 54,314,000 | 56,787,000 |
| Interest-bearing deposits | 43,003,000 | 41,507,000 | 44,442,000 | 44,344,000 |
| Noninterest-bearing deposits | 8,572,000 | 9,475,000 | 9,872,000 | 12,443,000 |
| Equity capital | 5,662,000 | 5,548,000 | 5,600,000 | 5,383,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 573,000 | 1,143,000 | 1,777,000 | 2,375,000 |
| Interest expense | 120,000 | 235,000 | 339,000 | 438,000 |
| Net interest income | 453,000 | 908,000 | 1,438,000 | 1,937,000 |
| Noninterest income | 48,000 | 95,000 | 96,000 | 155,000 |
| Noninterest expense | 355,000 | 685,000 | 1,047,000 | 1,501,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 146,000 | 318,000 | 487,000 | 591,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 146,000 | 318,000 | 487,000 | 591,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,140,000 | 5,169,000 | 5,266,000 | 5,167,000 |
| Total capital | 5,504,000 | 5,571,000 | 5,696,000 | 5,556,000 |
| Risk-weighted assets | 28,983,000 | 32,096,000 | 34,299,000 | 31,033,000 |