Call reports 2019
BANK OF BOZEMAN — 2019
What BANK OF BOZEMAN reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 78,574,000 | 78,675,000 | 77,421,000 | 80,301,000 |
| Total loans | 67,707,000 | 66,113,000 | 65,925,000 | 66,322,000 |
| Allowance for loan losses | 906,000 | 930,000 | 962,000 | 996,000 |
| Securities available for sale | 1,921,000 | 1,792,000 | 1,630,000 | 1,390,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 68,020,000 | 68,078,000 | 66,533,000 | 69,637,000 |
| Interest-bearing deposits | 54,750,000 | 56,281,000 | 55,384,000 | 57,323,000 |
| Noninterest-bearing deposits | 13,270,000 | 11,797,000 | 11,149,000 | 12,314,000 |
| Equity capital | 9,161,000 | 9,071,000 | 9,231,000 | 9,094,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 983,000 | 1,977,000 | 3,014,000 | 4,018,000 |
| Interest expense | 139,000 | 314,000 | 504,000 | 702,000 |
| Net interest income | 844,000 | 1,663,000 | 2,510,000 | 3,316,000 |
| Noninterest income | 57,000 | 247,000 | 386,000 | 391,000 |
| Noninterest expense | 750,000 | 1,560,000 | 2,361,000 | 3,178,000 |
| Provision for loan losses | 21,000 | 42,000 | 72,000 | 104,000 |
| Pretax income | 136,000 | 314,000 | 469,000 | 431,000 |
| Income tax | -1,440,000 | -1,440,000 | -1,440,000 | -1,348,000 |
| Net income | 1,576,000 | 1,754,000 | 1,909,000 | 1,779,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,712,000 | 7,607,000 | 7,762,000 | 7,723,000 |
| Total capital | 8,577,000 | 8,442,000 | 8,612,000 | 8,587,000 |
| Risk-weighted assets | 69,175,000 | 66,694,000 | 67,909,000 | 69,014,000 |