Call reports 2014
BANK OF BILLINGS — 2014
What BANK OF BILLINGS reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 54,847,000 | 54,851,000 | 53,044,000 | 51,925,000 |
| Total loans | 33,648,000 | 35,419,000 | 36,532,000 | 36,605,000 |
| Allowance for loan losses | 445,000 | 411,000 | 376,000 | 411,000 |
| Securities available for sale | 1,510,000 | 4,056,000 | 4,054,000 | 1,501,000 |
| Securities held to maturity | 1,468,000 | 1,464,000 | 1,361,000 | 1,270,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 46,865,000 | 46,836,000 | 44,983,000 | 43,887,000 |
| Interest-bearing deposits | 36,009,000 | 36,363,000 | 33,740,000 | 32,691,000 |
| Noninterest-bearing deposits | 10,856,000 | 10,473,000 | 11,243,000 | 11,196,000 |
| Equity capital | 7,926,000 | 7,934,000 | 7,944,000 | 7,984,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 513,000 | 1,030,000 | 1,550,000 | 2,056,000 |
| Interest expense | 53,000 | 104,000 | 157,000 | 205,000 |
| Net interest income | 460,000 | 926,000 | 1,393,000 | 1,851,000 |
| Noninterest income | 54,000 | 110,000 | 166,000 | 279,000 |
| Noninterest expense | 455,000 | 950,000 | 1,442,000 | 1,914,000 |
| Provision for loan losses | 26,000 | 41,000 | 56,000 | 99,000 |
| Pretax income | 33,000 | 45,000 | 61,000 | 117,000 |
| Income tax | 11,000 | 14,000 | 19,000 | 32,000 |
| Net income | 22,000 | 31,000 | 42,000 | 85,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,846,000 | 4,862,000 | 4,875,000 | 4,923,000 |
| Total capital | 5,236,000 | 5,221,000 | 5,251,000 | 5,283,000 |
| Risk-weighted assets | 31,705,000 | 33,905,000 | 34,525,000 | 34,871,000 |