Call reports 2003
FIRST CITIZENS BANK OF BILLINGS — 2003
What FIRST CITIZENS BANK OF BILLINGS reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 164,734,000 | 164,914,000 | 169,438,000 | 173,813,000 |
| Total loans | 94,346,000 | 100,816,000 | 99,466,000 | 107,690,000 |
| Allowance for loan losses | 1,138,000 | 1,140,000 | 1,013,000 | 1,407,000 |
| Securities available for sale | 28,515,000 | 37,165,000 | 37,287,000 | 42,603,000 |
| Securities held to maturity | 3,709,000 | 3,674,000 | 3,875,000 | 2,171,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 144,920,000 | 146,708,000 | 152,266,000 | 153,072,000 |
| Interest-bearing deposits | 109,364,000 | 109,908,000 | 112,380,000 | 109,637,000 |
| Noninterest-bearing deposits | 35,556,000 | 36,800,000 | 39,886,000 | 43,435,000 |
| Equity capital | 12,008,000 | 11,793,000 | 11,984,000 | 12,026,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,995,000 | 4,006,000 | 6,085,000 | 8,075,000 |
| Interest expense | 422,000 | 838,000 | 1,218,000 | 1,567,000 |
| Net interest income | 1,573,000 | 3,168,000 | 4,867,000 | 6,508,000 |
| Noninterest income | 323,000 | 643,000 | 1,017,000 | 1,322,000 |
| Noninterest expense | 1,344,000 | 2,694,000 | 4,066,000 | 5,538,000 |
| Provision for loan losses | 25,000 | 50,000 | 104,000 | 574,000 |
| Pretax income | 527,000 | 1,064,000 | 1,711,000 | 1,720,000 |
| Income tax | 187,000 | 392,000 | 633,000 | 626,000 |
| Net income | 340,000 | 672,000 | 1,078,000 | 1,094,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,927,000 | 11,748,000 | 11,964,000 | 11,980,000 |
| Total capital | 13,065,000 | 12,888,000 | 12,977,000 | 13,387,000 |
| Risk-weighted assets | 104,027,000 | 112,773,000 | 107,231,000 | 115,587,000 |