Call reports 2005
GLACIER BANK OF WHITEFISH — 2005
What GLACIER BANK OF WHITEFISH reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 162,726,000 | 161,994,000 | 172,563,000 | 174,343,000 |
| Total loans | 109,238,000 | 113,187,000 | 123,411,000 | 127,186,000 |
| Allowance for loan losses | 1,451,000 | 1,533,000 | 1,593,000 | 1,675,000 |
| Securities available for sale | 42,215,000 | 36,090,000 | 33,194,000 | 30,527,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 75,957,000 | 76,465,000 | 97,075,000 | 112,790,000 |
| Interest-bearing deposits | 45,860,000 | 45,012,000 | 58,628,000 | 78,415,000 |
| Noninterest-bearing deposits | 30,098,000 | 31,453,000 | 38,447,000 | 34,375,000 |
| Equity capital | 13,980,000 | 14,539,000 | 14,747,000 | 14,847,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 2,203,000 | 4,535,000 | 6,897,000 | 9,393,000 |
| Interest expense | 545,000 | 1,191,000 | 1,892,000 | 2,738,000 |
| Net interest income | 1,658,000 | 3,344,000 | 5,005,000 | 6,655,000 |
| Noninterest income | 329,000 | 649,000 | 1,040,000 | 1,370,000 |
| Noninterest expense | 841,000 | 1,676,000 | 2,541,000 | 3,412,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 300,000 |
| Pretax income | 1,492,000 | 2,569,000 | 3,681,000 | 4,715,000 |
| Income tax | 538,000 | 924,000 | 1,325,000 | 1,698,000 |
| Net income | 954,000 | 1,645,000 | 2,356,000 | 3,017,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,599,000 | 13,990,000 | 14,301,000 | 14,562,000 |
| Total capital | 14,999,000 | 15,441,000 | 15,894,000 | 16,237,000 |
| Risk-weighted assets | 111,938,000 | 116,031,000 | 137,679,000 | 144,799,000 |