Call reports 2007
BANK OF BILLINGS — 2007
What BANK OF BILLINGS reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 30,533,000 | 33,478,000 | 33,186,000 | 44,085,000 |
| Total loans | 9,820,000 | 11,929,000 | 13,738,000 | 17,379,000 |
| Allowance for loan losses | 132,000 | 132,000 | 113,000 | 142,000 |
| Securities available for sale | 11,223,000 | 12,157,000 | 12,323,000 | 12,172,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 25,646,000 | 28,656,000 | 28,075,000 | 36,642,000 |
| Interest-bearing deposits | 22,124,000 | 25,234,000 | 24,919,000 | 31,655,000 |
| Noninterest-bearing deposits | 3,522,000 | 3,423,000 | 3,157,000 | 4,987,000 |
| Equity capital | 4,699,000 | 4,658,000 | 4,835,000 | 7,145,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 394,000 | 817,000 | 1,279,000 | 1,806,000 |
| Interest expense | 209,000 | 438,000 | 707,000 | 958,000 |
| Net interest income | 185,000 | 379,000 | 572,000 | 848,000 |
| Noninterest income | 15,000 | 36,000 | 56,000 | 53,000 |
| Noninterest expense | 142,000 | 284,000 | 426,000 | 597,000 |
| Provision for loan losses | 0 | 0 | 0 | 35,000 |
| Pretax income | 63,000 | 136,000 | 207,000 | 274,000 |
| Income tax | 25,000 | 52,000 | 78,000 | 101,000 |
| Net income | 38,000 | 84,000 | 129,000 | 173,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,748,000 | 2,794,000 | 2,626,000 | 3,631,000 |
| Total capital | 2,825,000 | 2,869,000 | 2,719,000 | 3,772,000 |
| Risk-weighted assets | 6,078,000 | 13,205,000 | 13,193,000 | 17,646,000 |