Call reports 2016
BANK OF BILLINGS — 2016
What BANK OF BILLINGS reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 51,954,000 | 50,697,000 | 52,441,000 | 52,833,000 |
| Total loans | 42,080,000 | 41,356,000 | 40,965,000 | 40,844,000 |
| Allowance for loan losses | 357,000 | 368,000 | 380,000 | 392,000 |
| Securities available for sale | 1,001,000 | 501,000 | 501,000 | 250,000 |
| Securities held to maturity | 373,000 | 373,000 | 372,000 | 100,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 43,086,000 | 41,731,000 | 43,936,000 | 44,318,000 |
| Interest-bearing deposits | 30,804,000 | 29,939,000 | 30,287,000 | 32,187,000 |
| Noninterest-bearing deposits | 12,282,000 | 11,792,000 | 13,649,000 | 12,131,000 |
| Equity capital | 8,187,000 | 8,214,000 | 8,220,000 | 8,235,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 556,000 | 1,116,000 | 1,673,000 | 2,227,000 |
| Interest expense | 44,000 | 90,000 | 135,000 | 179,000 |
| Net interest income | 512,000 | 1,026,000 | 1,538,000 | 2,048,000 |
| Noninterest income | 90,000 | 153,000 | 222,000 | 251,000 |
| Noninterest expense | 482,000 | 920,000 | 1,393,000 | 1,810,000 |
| Provision for loan losses | 9,000 | 18,000 | 27,000 | 36,000 |
| Pretax income | 111,000 | 241,000 | 340,000 | 453,000 |
| Income tax | 41,000 | 89,000 | 125,000 | 168,000 |
| Net income | 70,000 | 152,000 | 215,000 | 285,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,340,000 | 5,370,000 | 5,380,000 | 5,398,000 |
| Total capital | 5,697,000 | 5,738,000 | 5,760,000 | 5,790,000 |
| Risk-weighted assets | 37,955,000 | 38,022,000 | 37,736,000 | 38,209,000 |