Call reports 2020
BANK OF BOZEMAN — 2020
What BANK OF BOZEMAN reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 82,067,000 | 96,983,000 | 99,860,000 | 100,955,000 |
| Total loans | 69,761,000 | 72,200,000 | 72,877,000 | 74,019,000 |
| Allowance for loan losses | 1,034,000 | 1,164,000 | 1,214,000 | 1,234,000 |
| Securities available for sale | 1,216,000 | 3,712,000 | 10,089,000 | 12,305,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 71,441,000 | 86,251,000 | 88,968,000 | 90,003,000 |
| Interest-bearing deposits | 59,001,000 | 69,521,000 | 69,141,000 | 72,285,000 |
| Noninterest-bearing deposits | 12,440,000 | 16,730,000 | 19,827,000 | 17,718,000 |
| Equity capital | 9,043,000 | 8,996,000 | 9,235,000 | 9,382,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 1,029,000 | 2,218,000 | 3,256,000 | 4,309,000 |
| Interest expense | 197,000 | 383,000 | 544,000 | 688,000 |
| Net interest income | 832,000 | 1,835,000 | 2,712,000 | 3,621,000 |
| Noninterest income | 184,000 | 296,000 | 476,000 | 545,000 |
| Noninterest expense | 875,000 | 1,704,000 | 2,535,000 | 3,310,000 |
| Provision for loan losses | 36,000 | 96,000 | 146,000 | 166,000 |
| Pretax income | 105,000 | 331,000 | 507,000 | 690,000 |
| Income tax | 0 | 269,000 | 269,000 | 326,000 |
| Net income | 105,000 | 62,000 | 238,000 | 364,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,679,000 | 7,904,000 | 8,081,000 | 8,264,000 |
| Total capital | 8,579,000 | 8,800,000 | 9,007,000 | 9,238,000 |
| Risk-weighted assets | 71,864,000 | 71,404,000 | 73,776,000 | 77,684,000 |