Call reports 2015
BANK OF BILLINGS — 2015
What BANK OF BILLINGS reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 53,800,000 | 52,566,000 | 51,285,000 | 51,613,000 |
| Total loans | 36,816,000 | 37,731,000 | 38,823,000 | 40,633,000 |
| Allowance for loan losses | 418,000 | 357,000 | 366,000 | 377,000 |
| Securities available for sale | 1,754,000 | 1,502,000 | 1,252,000 | 1,250,000 |
| Securities held to maturity | 947,000 | 945,000 | 823,000 | 734,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 45,696,000 | 44,489,000 | 41,595,000 | 41,424,000 |
| Interest-bearing deposits | 33,573,000 | 31,381,000 | 29,558,000 | 28,324,000 |
| Noninterest-bearing deposits | 12,123,000 | 13,108,000 | 12,037,000 | 13,100,000 |
| Equity capital | 8,005,000 | 7,990,000 | 8,044,000 | 8,114,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 505,000 | 1,031,000 | 1,589,000 | 2,135,000 |
| Interest expense | 51,000 | 99,000 | 142,000 | 180,000 |
| Net interest income | 454,000 | 932,000 | 1,447,000 | 1,955,000 |
| Noninterest income | 66,000 | 128,000 | 174,000 | 255,000 |
| Noninterest expense | 472,000 | 968,000 | 1,454,000 | 1,904,000 |
| Provision for loan losses | 15,000 | 86,000 | 91,000 | 101,000 |
| Pretax income | 33,000 | 6,000 | 76,000 | 205,000 |
| Income tax | 12,000 | 0 | 18,000 | 74,000 |
| Net income | 21,000 | 6,000 | 58,000 | 131,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,134,000 | 5,121,000 | 5,177,000 | 5,274,000 |
| Total capital | 5,552,000 | 5,478,000 | 5,543,000 | 5,651,000 |
| Risk-weighted assets | 34,971,000 | 35,041,000 | 35,420,000 | 36,913,000 |