Call reports 2016
MONTANA STATE BANK — 2016
What MONTANA STATE BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 82,497,000 | 78,816,000 | 74,566,000 | 83,073,000 |
| Total loans | 32,782,000 | 35,635,000 | 38,499,000 | 35,200,000 |
| Allowance for loan losses | 447,000 | 458,000 | 456,000 | 0 |
| Securities available for sale | 3,074,000 | 3,578,000 | 3,547,000 | 23,842,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 73,978,000 | 70,270,000 | 67,622,000 | 73,437,000 |
| Interest-bearing deposits | 56,961,000 | 52,848,000 | 50,494,000 | 54,135,000 |
| Noninterest-bearing deposits | 17,017,000 | 17,422,000 | 17,128,000 | 19,302,000 |
| Equity capital | 7,087,000 | 7,086,000 | 6,898,000 | 9,494,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 561,000 | 1,111,000 | 1,707,000 | 544,000 |
| Interest expense | 25,000 | 50,000 | 75,000 | 15,000 |
| Net interest income | 536,000 | 1,061,000 | 1,632,000 | 529,000 |
| Noninterest income | 47,000 | 77,000 | 113,000 | 15,000 |
| Noninterest expense | 387,000 | 753,000 | 1,647,000 | 350,000 |
| Provision for loan losses | 0 | 0 | 0 | 310,000 |
| Pretax income | 196,000 | 385,000 | 98,000 | -116,000 |
| Income tax | 0 | 0 | 0 | 74,000 |
| Net income | 196,000 | 385,000 | 98,000 | -190,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,191,000 | 7,169,000 | 6,875,000 | 7,767,000 |
| Total capital | 7,625,000 | 7,627,000 | 7,331,000 | 7,767,000 |
| Risk-weighted assets | 34,780,000 | 38,586,000 | 40,166,000 | 44,525,000 |