Call reports 2005
BANK OF BILLINGS — 2005
What BANK OF BILLINGS 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 | 30,237,000 | 30,064,000 | 29,183,000 | 28,081,000 |
| Total loans | 9,769,000 | 9,681,000 | 9,685,000 | 9,132,000 |
| Allowance for loan losses | 102,000 | 107,000 | 133,000 | 146,000 |
| Securities available for sale | 17,589,000 | 17,856,000 | 16,587,000 | 16,981,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 27,911,000 | 27,522,000 | 26,677,000 | 25,627,000 |
| Interest-bearing deposits | 24,999,000 | 24,555,000 | 23,218,000 | 22,111,000 |
| Noninterest-bearing deposits | 2,912,000 | 2,967,000 | 3,459,000 | 3,516,000 |
| Equity capital | 2,245,000 | 2,474,000 | 2,422,000 | 2,375,000 |
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 | 339,000 | 672,000 | 1,026,000 | 1,362,000 |
| Interest expense | 131,000 | 263,000 | 393,000 | 528,000 |
| Net interest income | 208,000 | 409,000 | 633,000 | 834,000 |
| Noninterest income | 9,000 | 17,000 | 26,000 | 38,000 |
| Noninterest expense | 144,000 | 285,000 | 427,000 | 561,000 |
| Provision for loan losses | 0 | 0 | 0 | 16,000 |
| Pretax income | 73,000 | 141,000 | 232,000 | 295,000 |
| Income tax | 22,000 | 40,000 | 71,000 | 88,000 |
| Net income | 51,000 | 101,000 | 161,000 | 207,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,498,000 | 2,548,000 | 2,608,000 | 2,623,000 |
| Total capital | 2,600,000 | 2,655,000 | 2,741,000 | 2,769,000 |
| Risk-weighted assets | 12,672,000 | 12,534,000 | 12,449,000 | 11,950,000 |