Call reports 2003
THREE RIVERS BANK OF MONTANA — 2003
What THREE RIVERS BANK OF MONTANA reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 74,989,000 | 75,998,000 | 80,648,000 | 82,554,000 |
| Total loans | 45,253,000 | 49,371,000 | 51,314,000 | 51,915,000 |
| Allowance for loan losses | 480,000 | 479,000 | 458,000 | 510,000 |
| Securities available for sale | 22,975,000 | 18,571,000 | 19,230,000 | 23,980,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 67,135,000 | 67,825,000 | 72,565,000 | 70,033,000 |
| Interest-bearing deposits | 54,988,000 | 54,761,000 | 58,465,000 | 56,610,000 |
| Noninterest-bearing deposits | 12,147,000 | 13,064,000 | 14,100,000 | 13,423,000 |
| Equity capital | 6,679,000 | 6,985,000 | 6,974,000 | 7,210,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,147,000 | 2,343,000 | 3,541,000 | 4,734,000 |
| Interest expense | 347,000 | 662,000 | 966,000 | 1,249,000 |
| Net interest income | 800,000 | 1,681,000 | 2,575,000 | 3,485,000 |
| Noninterest income | 133,000 | 263,000 | 408,000 | 573,000 |
| Noninterest expense | 653,000 | 1,331,000 | 2,040,000 | 2,746,000 |
| Provision for loan losses | 27,000 | 54,000 | 93,000 | 138,000 |
| Pretax income | 286,000 | 636,000 | 927,000 | 1,313,000 |
| Income tax | 101,000 | 227,000 | 328,000 | 449,000 |
| Net income | 185,000 | 409,000 | 599,000 | 864,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,451,000 | 6,675,000 | 6,865,000 | 7,130,000 |
| Total capital | 6,931,000 | 7,154,000 | 7,323,000 | 7,640,000 |
| Risk-weighted assets | 50,301,000 | 52,727,000 | 55,257,000 | 55,795,000 |
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