Call reports 2004
BANK OF BILLINGS — 2004
What BANK OF BILLINGS reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 31,893,000 | 31,097,000 | 30,971,000 | 29,715,000 |
| Total loans | 9,811,000 | 9,436,000 | 9,387,000 | 9,787,000 |
| Allowance for loan losses | 116,000 | 109,000 | 109,000 | 109,000 |
| Securities available for sale | 20,819,000 | 20,596,000 | 19,133,000 | 17,449,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 29,336,000 | 28,654,000 | 28,503,000 | 27,281,000 |
| Interest-bearing deposits | 26,684,000 | 25,672,000 | 25,596,000 | 24,632,000 |
| Noninterest-bearing deposits | 2,652,000 | 2,982,000 | 2,907,000 | 2,649,000 |
| Equity capital | 2,459,000 | 2,085,000 | 2,393,000 | 2,355,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 359,000 | 724,000 | 1,077,000 | 1,425,000 |
| Interest expense | 138,000 | 271,000 | 406,000 | 538,000 |
| Net interest income | 221,000 | 453,000 | 671,000 | 887,000 |
| Noninterest income | 9,000 | 17,000 | 26,000 | 33,000 |
| Noninterest expense | 168,000 | 328,000 | 498,000 | 647,000 |
| Provision for loan losses | 2,000 | 25,000 | 25,000 | 25,000 |
| Pretax income | 60,000 | 117,000 | 174,000 | 248,000 |
| Income tax | 5,000 | 20,000 | 32,000 | 67,000 |
| Net income | 55,000 | 97,000 | 142,000 | 181,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,349,000 | 2,391,000 | 2,437,000 | 2,446,000 |
| Total capital | 2,465,000 | 2,500,000 | 2,546,000 | 2,555,000 |
| Risk-weighted assets | 13,029,000 | 12,856,000 | 12,493,000 | 12,507,000 |