Call reports 2013
BANK OF BILLINGS — 2013
What BANK OF BILLINGS reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 59,531,000 | 55,283,000 | 53,830,000 | 50,915,000 |
| Total loans | 35,663,000 | 35,961,000 | 33,698,000 | 33,799,000 |
| Allowance for loan losses | 463,000 | 450,000 | 419,000 | 418,000 |
| Securities available for sale | 775,000 | 769,000 | 1,287,000 | 1,000 |
| Securities held to maturity | 1,882,000 | 1,875,000 | 1,768,000 | 2,959,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 51,870,000 | 47,327,000 | 45,794,000 | 42,964,000 |
| Interest-bearing deposits | 41,132,000 | 37,574,000 | 36,437,000 | 33,907,000 |
| Noninterest-bearing deposits | 10,738,000 | 9,753,000 | 9,357,000 | 9,057,000 |
| Equity capital | 7,596,000 | 7,865,000 | 7,913,000 | 7,900,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 606,000 | 1,191,000 | 1,766,000 | 2,290,000 |
| Interest expense | 88,000 | 159,000 | 220,000 | 271,000 |
| Net interest income | 518,000 | 1,032,000 | 1,546,000 | 2,019,000 |
| Noninterest income | 63,000 | 97,000 | 173,000 | 239,000 |
| Noninterest expense | 539,000 | 1,073,000 | 1,577,000 | 2,112,000 |
| Provision for loan losses | 30,000 | 118,000 | 128,000 | 143,000 |
| Pretax income | 12,000 | -62,000 | 14,000 | 3,000 |
| Income tax | 5,000 | -37,000 | -11,000 | -19,000 |
| Net income | 7,000 | -25,000 | 25,000 | 22,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,457,000 | 4,743,000 | 4,806,000 | 4,814,000 |
| Total capital | 4,884,000 | 5,165,000 | 5,220,000 | 5,213,000 |
| Risk-weighted assets | 34,145,000 | 33,737,000 | 32,402,000 | 31,881,000 |