Call reports 2009
BANK OF BILLINGS — 2009
What BANK OF BILLINGS reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 42,756,000 | 44,440,000 | 46,384,000 | 47,592,000 |
| Total loans | 24,368,000 | 26,924,000 | 29,931,000 | 31,041,000 |
| Allowance for loan losses | 213,000 | 236,000 | 302,000 | 314,000 |
| Securities available for sale | 7,657,000 | 7,184,000 | 6,610,000 | 6,057,000 |
| Securities held to maturity | 2,392,000 | 2,389,000 | 2,386,000 | 2,383,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 33,826,000 | 34,014,000 | 37,959,000 | 39,209,000 |
| Interest-bearing deposits | 27,727,000 | 27,696,000 | 31,753,000 | 32,819,000 |
| Noninterest-bearing deposits | 6,099,000 | 6,318,000 | 6,206,000 | 6,389,000 |
| Equity capital | 7,333,000 | 7,355,000 | 7,386,000 | 7,396,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 542,000 | 1,126,000 | 1,769,000 | 2,426,000 |
| Interest expense | 134,000 | 260,000 | 382,000 | 502,000 |
| Net interest income | 408,000 | 866,000 | 1,387,000 | 1,924,000 |
| Noninterest income | 52,000 | 123,000 | 190,000 | 259,000 |
| Noninterest expense | 262,000 | 550,000 | 818,000 | 1,107,000 |
| Provision for loan losses | 11,000 | 33,000 | 99,000 | 112,000 |
| Pretax income | 187,000 | 406,000 | 660,000 | 964,000 |
| Income tax | 69,000 | 150,000 | 207,000 | 317,000 |
| Net income | 118,000 | 256,000 | 453,000 | 647,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,711,000 | 3,763,000 | 3,824,000 | 3,884,000 |
| Total capital | 3,924,000 | 3,999,000 | 4,126,000 | 4,198,000 |
| Risk-weighted assets | 24,577,000 | 25,546,000 | 27,150,000 | 29,006,000 |