Call reports 2015
BANK OF BOZEMAN — 2015
What BANK OF BOZEMAN 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 | 63,639,000 | 62,411,000 | 63,779,000 | 64,160,000 |
| Total loans | 45,912,000 | 47,847,000 | 49,268,000 | 50,064,000 |
| Allowance for loan losses | 785,000 | 785,000 | 793,000 | 795,000 |
| Securities available for sale | 4,162,000 | 4,058,000 | 4,021,000 | 3,948,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 56,777,000 | 55,553,000 | 56,753,000 | 57,313,000 |
| Interest-bearing deposits | 44,930,000 | 46,653,000 | 47,596,000 | 46,294,000 |
| Noninterest-bearing deposits | 11,847,000 | 8,900,000 | 9,157,000 | 11,019,000 |
| Equity capital | 6,613,000 | 6,613,000 | 6,774,000 | 6,678,000 |
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 | 610,000 | 1,233,000 | 1,904,000 | 2,561,000 |
| Interest expense | 53,000 | 114,000 | 172,000 | 226,000 |
| Net interest income | 557,000 | 1,119,000 | 1,732,000 | 2,335,000 |
| Noninterest income | 30,000 | 82,000 | 163,000 | 214,000 |
| Noninterest expense | 595,000 | 1,183,000 | 1,740,000 | 2,321,000 |
| Provision for loan losses | -250,000 | -250,000 | -250,000 | -250,000 |
| Pretax income | 242,000 | 268,000 | 405,000 | 478,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 242,000 | 268,000 | 405,000 | 478,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,613,000 | 6,621,000 | 6,774,000 | 6,718,000 |
| Total capital | 7,269,000 | 7,255,000 | 7,450,000 | 7,463,000 |
| Risk-weighted assets | 53,278,000 | 50,550,000 | 53,989,000 | 59,564,000 |