Call reports 2013
MONTANA STATE BANK — 2013
What MONTANA STATE BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 79,073,000 | 73,889,000 | 74,343,000 | 79,814,000 |
| Total loans | 29,487,000 | 35,489,000 | 38,209,000 | 35,509,000 |
| Allowance for loan losses | 517,000 | 517,000 | 517,000 | 511,000 |
| Securities available for sale | 1,945,000 | 1,826,000 | 2,201,000 | 1,864,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 71,783,000 | 66,515,000 | 66,826,000 | 72,190,000 |
| Interest-bearing deposits | 54,955,000 | 50,564,000 | 51,152,000 | 54,054,000 |
| Noninterest-bearing deposits | 16,828,000 | 15,951,000 | 15,674,000 | 18,136,000 |
| Equity capital | 6,098,000 | 6,147,000 | 6,286,000 | 6,369,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 516,000 | 1,059,000 | 1,668,000 | 2,274,000 |
| Interest expense | 41,000 | 79,000 | 116,000 | 153,000 |
| Net interest income | 475,000 | 980,000 | 1,552,000 | 2,121,000 |
| Noninterest income | 41,000 | 83,000 | 125,000 | 164,000 |
| Noninterest expense | 354,000 | 700,000 | 1,050,000 | 1,492,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 162,000 | 363,000 | 627,000 | 793,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 162,000 | 363,000 | 627,000 | 793,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,016,000 | 6,078,000 | 6,230,000 | 6,319,000 |
| Total capital | 6,415,000 | 6,540,000 | 6,729,000 | 6,788,000 |
| Risk-weighted assets | 31,835,000 | 36,943,000 | 39,904,000 | 37,460,000 |