Call reports 2006
BANK OF BILLINGS — 2006
What BANK OF BILLINGS reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 30,070,000 | 29,003,000 | 27,745,000 | 29,416,000 |
| Total loans | 8,936,000 | 9,133,000 | 8,667,000 | 8,232,000 |
| Allowance for loan losses | 146,000 | 135,000 | 131,000 | 132,000 |
| Securities available for sale | 16,533,000 | 15,597,000 | 16,067,000 | 5,829,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 27,676,000 | 26,711,000 | 25,122,000 | 24,557,000 |
| Interest-bearing deposits | 23,001,000 | 22,935,000 | 21,570,000 | 21,204,000 |
| Noninterest-bearing deposits | 4,675,000 | 3,776,000 | 3,552,000 | 3,352,000 |
| Equity capital | 2,332,000 | 2,235,000 | 2,571,000 | 4,699,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 325,000 | 679,000 | 1,027,000 | 111,000 |
| Interest expense | 138,000 | 289,000 | 443,000 | 67,000 |
| Net interest income | 187,000 | 390,000 | 584,000 | 44,000 |
| Noninterest income | 7,000 | 16,000 | 25,000 | 3,000 |
| Noninterest expense | 125,000 | 253,000 | 385,000 | 56,000 |
| Provision for loan losses | 0 | 0 | 0 | 75,000 |
| Pretax income | 69,000 | 153,000 | 224,000 | -100,000 |
| Income tax | 18,000 | 43,000 | 55,000 | -4,000 |
| Net income | 51,000 | 110,000 | 169,000 | -96,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,673,000 | 2,733,000 | 2,792,000 | 2,469,000 |
| Total capital | 2,819,000 | 2,868,000 | 2,923,000 | 2,543,000 |
| Risk-weighted assets | 12,181,000 | 12,246,000 | 9,962,000 | 5,852,000 |