Call reports 2023
BANK OF BOZEMAN — 2023
What BANK OF BOZEMAN reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 108,386,000 | 113,809,000 | 108,211,000 | 109,135,000 |
| Total loans | 78,466,000 | 81,545,000 | 79,429,000 | 79,338,000 |
| Allowance for loan losses | 1,499,000 | 1,487,000 | 1,487,000 | 1,452,000 |
| Securities available for sale | 24,098,000 | 23,813,000 | 23,352,000 | 23,955,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 89,640,000 | 86,187,000 | 87,573,000 | 90,789,000 |
| Interest-bearing deposits | 70,116,000 | 66,180,000 | 66,992,000 | 72,139,000 |
| Noninterest-bearing deposits | 19,524,000 | 20,007,000 | 20,581,000 | 18,650,000 |
| Equity capital | 7,415,000 | 7,475,000 | 7,404,000 | 8,281,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 1,184,000 | 2,519,000 | 3,976,000 | 5,438,000 |
| Interest expense | 308,000 | 703,000 | 1,185,000 | 1,745,000 |
| Net interest income | 876,000 | 1,816,000 | 2,791,000 | 3,693,000 |
| Noninterest income | 95,000 | 187,000 | 311,000 | 409,000 |
| Noninterest expense | 863,000 | 1,720,000 | 2,576,000 | 3,439,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 108,000 | 283,000 | 526,000 | 663,000 |
| Income tax | 29,000 | 45,000 | 88,000 | 118,000 |
| Net income | 79,000 | 238,000 | 438,000 | 545,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,363,000 | 9,531,000 | 9,761,000 | 9,883,000 |
| Total capital | 10,432,000 | 10,627,000 | 10,844,000 | 10,955,000 |
| Risk-weighted assets | 85,166,000 | 87,292,000 | 86,309,000 | 85,429,000 |