Call reports 2003
BANK OF BILLINGS — 2003
What BANK OF BILLINGS reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 30,111,000 | 30,284,000 | 30,940,000 | 31,231,000 |
| Total loans | 9,868,000 | 9,909,000 | 10,158,000 | 10,135,000 |
| Allowance for loan losses | 117,000 | 117,000 | 113,000 | 114,000 |
| Securities available for sale | 16,283,000 | 16,370,000 | 17,046,000 | 19,425,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 27,743,000 | 27,854,000 | 28,694,000 | 28,942,000 |
| Interest-bearing deposits | 24,985,000 | 25,213,000 | 25,899,000 | 26,075,000 |
| Noninterest-bearing deposits | 2,758,000 | 2,641,000 | 2,795,000 | 2,867,000 |
| Equity capital | 2,285,000 | 2,332,000 | 2,188,000 | 2,218,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 343,000 | 676,000 | 1,004,000 | 1,353,000 |
| Interest expense | 157,000 | 311,000 | 457,000 | 599,000 |
| Net interest income | 186,000 | 365,000 | 547,000 | 754,000 |
| Noninterest income | 8,000 | 22,000 | 32,000 | 43,000 |
| Noninterest expense | 158,000 | 307,000 | 456,000 | 624,000 |
| Provision for loan losses | 0 | 0 | 1,000 | 1,000 |
| Pretax income | 36,000 | 80,000 | 128,000 | 178,000 |
| Income tax | 6,000 | 14,000 | 20,000 | 29,000 |
| Net income | 30,000 | 66,000 | 108,000 | 149,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,205,000 | 2,242,000 | 2,283,000 | 2,294,000 |
| Total capital | 2,322,000 | 2,359,000 | 2,396,000 | 2,408,000 |
| Risk-weighted assets | 12,695,000 | 12,861,000 | 13,209,000 | 13,228,000 |