Call reports 2008
BANK OF BILLINGS — 2008
What BANK OF BILLINGS reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 44,921,000 | 43,868,000 | 41,399,000 | 41,188,000 |
| Total loans | 18,898,000 | 20,758,000 | 21,462,000 | 21,710,000 |
| Allowance for loan losses | 152,000 | 192,000 | 201,000 | 210,000 |
| Securities available for sale | 11,619,000 | 11,227,000 | 8,663,000 | 8,242,000 |
| Securities held to maturity | 0 | 0 | 2,463,000 | 2,460,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 37,189,000 | 36,351,000 | 33,765,000 | 32,076,000 |
| Interest-bearing deposits | 32,212,000 | 30,366,000 | 28,175,000 | 26,661,000 |
| Noninterest-bearing deposits | 4,977,000 | 5,986,000 | 5,590,000 | 5,416,000 |
| Equity capital | 7,356,000 | 7,270,000 | 7,359,000 | 7,550,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 577,000 | 1,149,000 | 1,709,000 | 2,266,000 |
| Interest expense | 227,000 | 419,000 | 579,000 | 719,000 |
| Net interest income | 350,000 | 730,000 | 1,130,000 | 1,547,000 |
| Noninterest income | 43,000 | 90,000 | 148,000 | 209,000 |
| Noninterest expense | 250,000 | 500,000 | 751,000 | 1,019,000 |
| Provision for loan losses | 6,000 | 46,000 | 55,000 | 64,000 |
| Pretax income | 137,000 | 274,000 | 472,000 | 673,000 |
| Income tax | 50,000 | 100,000 | 175,000 | 248,000 |
| Net income | 87,000 | 174,000 | 297,000 | 425,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,634,000 | 3,731,000 | 3,825,000 | 3,858,000 |
| Total capital | 3,786,000 | 3,923,000 | 4,026,000 | 4,068,000 |
| Risk-weighted assets | 18,981,000 | 21,679,000 | 27,124,000 | 21,526,000 |