Call reports 2023
BANK OF BILLINGS — 2023
What BANK OF BILLINGS reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 82,534,000 | 87,877,000 | 85,318,000 | 83,795,000 |
| Total loans | 70,314,000 | 70,641,000 | 68,174,000 | 68,081,000 |
| Allowance for loan losses | 733,000 | 754,000 | 736,000 | 781,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 71,978,000 | 77,034,000 | 74,142,000 | 70,969,000 |
| Interest-bearing deposits | 45,425,000 | 47,887,000 | 45,594,000 | 43,172,000 |
| Noninterest-bearing deposits | 26,553,000 | 29,147,000 | 28,548,000 | 27,797,000 |
| Equity capital | 10,092,000 | 10,303,000 | 10,606,000 | 10,834,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 1,180,000 | 2,465,000 | 3,774,000 | 5,094,000 |
| Interest expense | 238,000 | 440,000 | 658,000 | 899,000 |
| Net interest income | 942,000 | 2,025,000 | 3,116,000 | 4,195,000 |
| Noninterest income | 86,000 | 172,000 | 259,000 | 341,000 |
| Noninterest expense | 752,000 | 1,523,000 | 2,216,000 | 3,007,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 261,000 | 644,000 | 1,114,000 | 1,469,000 |
| Income tax | 63,000 | 155,000 | 268,000 | 340,000 |
| Net income | 198,000 | 489,000 | 846,000 | 1,129,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,335,000 | 7,546,000 | 7,849,000 | 8,076,000 |
| Total capital | 8,068,000 | 8,300,000 | — | — |
| Risk-weighted assets | 67,032,000 | 69,197,000 | — | — |