Call reports 2004
FIRST CITIZENS BANK OF BILLINGS — 2004
What FIRST CITIZENS BANK OF BILLINGS reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 166,753,000 | 174,744,000 | 169,780,000 | 172,774,000 |
| Total loans | 100,543,000 | 106,467,000 | 102,032,000 | 106,607,000 |
| Allowance for loan losses | 1,439,000 | 1,794,000 | 1,767,000 | 1,777,000 |
| Securities available for sale | 39,267,000 | 42,154,000 | 44,815,000 | 42,746,000 |
| Securities held to maturity | 2,106,000 | 1,022,000 | 978,000 | 428,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 147,690,000 | 155,251,000 | 151,797,000 | 153,288,000 |
| Interest-bearing deposits | 107,510,000 | 107,043,000 | 103,944,000 | 101,416,000 |
| Noninterest-bearing deposits | 40,180,000 | 48,208,000 | 47,853,000 | 51,872,000 |
| Equity capital | 12,466,000 | 12,434,000 | 12,929,000 | 13,166,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,915,000 | 3,832,000 | 5,852,000 | 7,910,000 |
| Interest expense | 297,000 | 569,000 | 846,000 | 1,119,000 |
| Net interest income | 1,618,000 | 3,263,000 | 5,006,000 | 6,791,000 |
| Noninterest income | 307,000 | 586,000 | 980,000 | 1,235,000 |
| Noninterest expense | 1,249,000 | 2,498,000 | 3,816,000 | 5,260,000 |
| Provision for loan losses | 60,000 | 534,000 | 625,000 | 700,000 |
| Pretax income | 620,000 | 822,000 | 1,550,000 | 1,968,000 |
| Income tax | 228,000 | 295,000 | 570,000 | 724,000 |
| Net income | 392,000 | 527,000 | 980,000 | 1,244,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,372,000 | 12,507,000 | 12,960,000 | 13,224,000 |
| Total capital | 13,757,000 | 13,975,000 | 14,388,000 | 14,697,000 |
| Risk-weighted assets | 110,723,000 | 117,117,000 | 113,877,000 | 117,539,000 |