Call reports 2015
MONTANA STATE BANK — 2015
What MONTANA STATE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 85,637,000 | 83,677,000 | 78,454,000 | 79,043,000 |
| Total loans | 32,866,000 | 36,398,000 | 39,377,000 | 38,193,000 |
| Allowance for loan losses | 507,000 | 464,000 | 465,000 | 450,000 |
| Securities available for sale | 2,296,000 | 2,494,000 | 2,466,000 | 2,320,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 77,532,000 | 75,512,000 | 70,179,000 | 70,736,000 |
| Interest-bearing deposits | 59,367,000 | 58,166,000 | 53,501,000 | 52,107,000 |
| Noninterest-bearing deposits | 18,165,000 | 17,346,000 | 16,678,000 | 18,629,000 |
| Equity capital | 6,738,000 | 6,763,000 | 6,867,000 | 6,890,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 519,000 | 1,053,000 | 1,627,000 | 2,206,000 |
| Interest expense | 35,000 | 69,000 | 101,000 | 126,000 |
| Net interest income | 484,000 | 984,000 | 1,526,000 | 2,080,000 |
| Noninterest income | 42,000 | 76,000 | 109,000 | 136,000 |
| Noninterest expense | 359,000 | 711,000 | 1,103,000 | 1,577,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 167,000 | 349,000 | 532,000 | 639,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 167,000 | 349,000 | 532,000 | 639,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,842,000 | 6,869,000 | 6,969,000 | 7,003,000 |
| Total capital | 7,306,000 | 7,333,000 | 7,434,000 | 7,453,000 |
| Risk-weighted assets | 37,150,000 | 39,613,000 | 40,711,000 | 39,215,000 |