Call reports 2025
BANK OF BOZEMAN — 2025
What BANK OF BOZEMAN reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 101,025,000 | 103,830,000 | 102,552,000 | 98,746,000 |
| Total loans | 74,354,000 | 78,713,000 | 76,688,000 | 78,186,000 |
| Allowance for loan losses | 1,220,000 | 1,220,000 | 1,194,000 | 1,181,000 |
| Securities available for sale | 18,475,000 | 18,536,000 | 17,593,000 | 12,631,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 84,382,000 | 86,284,000 | 91,113,000 | 86,941,000 |
| Interest-bearing deposits | 67,470,000 | 68,662,000 | 70,733,000 | 69,121,000 |
| Noninterest-bearing deposits | 16,912,000 | 17,622,000 | 20,380,000 | 17,820,000 |
| Equity capital | 9,267,000 | 9,692,000 | 10,403,000 | 10,714,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 1,409,000 | 2,913,000 | 4,482,000 | 5,994,000 |
| Interest expense | 518,000 | 1,027,000 | 1,517,000 | 1,981,000 |
| Net interest income | 891,000 | 1,886,000 | 2,965,000 | 4,013,000 |
| Noninterest income | 92,000 | 204,000 | 315,000 | 431,000 |
| Noninterest expense | 846,000 | 1,704,000 | 2,612,000 | 3,520,000 |
| Provision for loan losses | -166,000 | -166,000 | -166,000 | -166,000 |
| Pretax income | 137,000 | 386,000 | 668,000 | 924,000 |
| Income tax | 13,000 | 53,000 | 113,000 | 173,000 |
| Net income | 124,000 | 333,000 | 555,000 | 751,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,746,000 | 10,352,000 | 10,612,000 | 10,588,000 |
| Total capital | 11,692,000 | 11,416,000 | 11,656,000 | 11,641,000 |
| Risk-weighted assets | 75,282,000 | 84,818,000 | 83,271,000 | 83,993,000 |