Call reports 2010
BANK OF BILLINGS — 2010
What BANK OF BILLINGS reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 51,290,000 | 51,147,000 | 52,947,000 | 52,372,000 |
| Total loans | 32,619,000 | 37,059,000 | 37,801,000 | 37,546,000 |
| Allowance for loan losses | 328,000 | 367,000 | 385,000 | 401,000 |
| Securities available for sale | 5,219,000 | 5,219,000 | 4,189,000 | 3,639,000 |
| Securities held to maturity | 1,980,000 | 1,977,000 | 1,975,000 | 2,832,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 42,754,000 | 43,372,000 | 45,131,000 | 44,600,000 |
| Interest-bearing deposits | 36,006,000 | 36,720,000 | 38,475,000 | 37,691,000 |
| Noninterest-bearing deposits | 6,748,000 | 6,652,000 | 6,656,000 | 6,909,000 |
| Equity capital | 7,445,000 | 7,526,000 | 7,583,000 | 7,594,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 654,000 | 1,368,000 | 2,115,000 | 2,860,000 |
| Interest expense | 115,000 | 234,000 | 355,000 | 471,000 |
| Net interest income | 539,000 | 1,134,000 | 1,760,000 | 2,389,000 |
| Noninterest income | 65,000 | 150,000 | 218,000 | 294,000 |
| Noninterest expense | 277,000 | 564,000 | 898,000 | 1,307,000 |
| Provision for loan losses | 14,000 | 54,000 | 72,000 | 90,000 |
| Pretax income | 313,000 | 666,000 | 1,008,000 | 1,286,000 |
| Income tax | 116,000 | 236,000 | 361,000 | 447,000 |
| Net income | 197,000 | 430,000 | 647,000 | 839,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,971,000 | 4,068,000 | 4,160,000 | 4,311,000 |
| Total capital | 4,299,000 | 4,435,000 | 4,545,000 | 4,712,000 |
| Risk-weighted assets | 29,723,000 | 31,208,000 | 31,861,000 | 33,613,000 |