Call reports 2012
MONTANA STATE BANK — 2012
What MONTANA STATE BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 77,988,000 | 73,377,000 | 73,060,000 | 77,605,000 |
| Total loans | 28,532,000 | 31,927,000 | 35,327,000 | 33,331,000 |
| Allowance for loan losses | 505,000 | 516,000 | 515,000 | 516,000 |
| Securities available for sale | 5,566,000 | 3,985,000 | 3,305,000 | 2,636,000 |
| Securities held to maturity | 50,000 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 71,021,000 | 66,349,000 | 65,915,000 | 70,359,000 |
| Interest-bearing deposits | 56,014,000 | 51,746,000 | 49,369,000 | 51,317,000 |
| Noninterest-bearing deposits | 15,007,000 | 14,603,000 | 16,546,000 | 19,042,000 |
| Equity capital | 5,858,000 | 5,892,000 | 6,010,000 | 6,085,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 516,000 | 1,042,000 | 1,624,000 | 2,221,000 |
| Interest expense | 62,000 | 115,000 | 163,000 | 208,000 |
| Net interest income | 454,000 | 927,000 | 1,461,000 | 2,013,000 |
| Noninterest income | 52,000 | 98,000 | 140,000 | 185,000 |
| Noninterest expense | 363,000 | 697,000 | 1,045,000 | 1,472,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 143,000 | 328,000 | 556,000 | 726,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 143,000 | 328,000 | 556,000 | 726,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,723,000 | 5,765,000 | 5,899,000 | 5,993,000 |
| Total capital | 6,110,000 | 6,184,000 | 6,361,000 | 6,436,000 |
| Risk-weighted assets | 30,865,000 | 33,435,000 | 36,900,000 | 35,401,000 |