Call reports 2012
BANK OF BILLINGS — 2012
What BANK OF BILLINGS reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 61,247,000 | 58,787,000 | 59,103,000 | 59,214,000 |
| Total loans | 47,467,000 | 43,388,000 | 40,830,000 | 38,035,000 |
| Allowance for loan losses | 657,000 | 651,000 | 469,000 | 448,000 |
| Securities available for sale | 2,381,000 | 1,026,000 | 784,000 | 525,000 |
| Securities held to maturity | 947,000 | 1,763,000 | 1,762,000 | 2,559,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 53,447,000 | 51,776,000 | 51,728,000 | 51,571,000 |
| Interest-bearing deposits | 44,444,000 | 41,983,000 | 43,316,000 | 42,321,000 |
| Noninterest-bearing deposits | 9,003,000 | 9,793,000 | 8,412,000 | 9,250,000 |
| Equity capital | 7,666,000 | 6,866,000 | 7,192,000 | 7,389,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 814,000 | 1,605,000 | 2,339,000 | 3,012,000 |
| Interest expense | 117,000 | 240,000 | 365,000 | 466,000 |
| Net interest income | 697,000 | 1,365,000 | 1,974,000 | 2,546,000 |
| Noninterest income | 71,000 | 154,000 | 256,000 | 536,000 |
| Noninterest expense | 556,000 | 1,491,000 | 2,059,000 | 2,523,000 |
| Provision for loan losses | 75,000 | 670,000 | 778,000 | 801,000 |
| Pretax income | 137,000 | -642,000 | -607,000 | -242,000 |
| Income tax | 43,000 | 39,000 | -249,000 | -86,000 |
| Net income | 94,000 | -681,000 | -358,000 | -156,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,439,000 | 3,679,000 | 4,015,000 | 4,232,000 |
| Total capital | 4,978,000 | 4,178,000 | 4,484,000 | 4,680,000 |
| Risk-weighted assets | 43,014,000 | 39,744,000 | 38,587,000 | 36,898,000 |