Call reports 2010
BANK OF BOZEMAN — 2010
What BANK OF BOZEMAN reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 80,255,000 | 76,604,000 | 76,760,000 | 73,457,000 |
| Total loans | 57,759,000 | 55,202,000 | 49,385,000 | 45,313,000 |
| Allowance for loan losses | 1,041,000 | 1,161,000 | 1,050,000 | 1,198,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 74,675,000 | 69,340,000 | 71,304,000 | 66,709,000 |
| Interest-bearing deposits | 68,673,000 | 65,737,000 | 66,367,000 | 61,905,000 |
| Noninterest-bearing deposits | 6,002,000 | 3,603,000 | 4,937,000 | 4,804,000 |
| Equity capital | 4,985,000 | 6,610,000 | 4,848,000 | 6,339,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 831,000 | 1,620,000 | 2,357,000 | 3,028,000 |
| Interest expense | 367,000 | 720,000 | 1,054,000 | 1,353,000 |
| Net interest income | 464,000 | 900,000 | 1,303,000 | 1,675,000 |
| Noninterest income | 25,000 | 52,000 | 96,000 | 142,000 |
| Noninterest expense | 848,000 | 1,661,000 | 2,344,000 | 3,772,000 |
| Provision for loan losses | 160,000 | 280,000 | 1,805,000 | 3,305,000 |
| Pretax income | -519,000 | -989,000 | -2,750,000 | -5,260,000 |
| Income tax | -3,000 | -3,000 | -3,000 | -3,000 |
| Net income | -516,000 | -986,000 | -2,747,000 | -5,257,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,985,000 | 6,610,000 | 4,848,000 | 6,339,000 |
| Total capital | 5,813,000 | 7,415,000 | 5,593,000 | 7,028,000 |
| Risk-weighted assets | 66,036,000 | 64,037,000 | 59,267,000 | 54,605,000 |