Call reports 2016
THREE RIVERS BANK OF MONTANA — 2016
What THREE RIVERS BANK OF MONTANA 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 | 123,085,000 | 122,763,000 | 131,595,000 | 135,514,000 |
| Total loans | 78,195,000 | 81,773,000 | 85,218,000 | 81,917,000 |
| Allowance for loan losses | 815,000 | 818,000 | 852,000 | 887,000 |
| Securities available for sale | 28,013,000 | 28,843,000 | 31,281,000 | 32,388,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 102,516,000 | 101,129,000 | 109,635,000 | 114,704,000 |
| Interest-bearing deposits | 52,610,000 | 64,188,000 | 69,500,000 | 70,188,000 |
| Noninterest-bearing deposits | 49,906,000 | 36,941,000 | 40,135,000 | 44,516,000 |
| Equity capital | 17,199,000 | 17,703,000 | 17,910,000 | 17,351,000 |
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 | 1,318,000 | 2,719,000 | 4,159,000 | 5,576,000 |
| Interest expense | 46,000 | 95,000 | 144,000 | 190,000 |
| Net interest income | 1,272,000 | 2,624,000 | 4,015,000 | 5,386,000 |
| Noninterest income | 255,000 | 551,000 | 878,000 | 1,224,000 |
| Noninterest expense | 1,136,000 | 2,320,000 | 3,494,000 | 4,690,000 |
| Provision for loan losses | 0 | 0 | 53,000 | 272,000 |
| Pretax income | 391,000 | 864,000 | 1,366,000 | 1,668,000 |
| Income tax | 115,000 | 261,000 | 418,000 | 496,000 |
| Net income | 276,000 | 603,000 | 948,000 | 1,172,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,835,000 | 17,163,000 | 17,508,000 | 17,731,000 |
| Total capital | 17,650,000 | 17,981,000 | 18,360,000 | 18,618,000 |
| Risk-weighted assets | 89,393,000 | 95,661,000 | 99,920,000 | 95,492,000 |