Call reports 2005
FIRST CITIZENS BANK OF BILLINGS — 2005
What FIRST CITIZENS BANK OF BILLINGS reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 170,662,000 | 171,178,000 | 173,515,000 | 170,391,000 |
| Total loans | 112,487,000 | 112,832,000 | 117,194,000 | 115,517,000 |
| Allowance for loan losses | 1,832,000 | 1,796,000 | 1,804,000 | 1,737,000 |
| Securities available for sale | 38,498,000 | 38,611,000 | 34,940,000 | 34,890,000 |
| Securities held to maturity | 428,000 | 429,000 | 379,000 | 379,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 150,542,000 | 145,955,000 | 146,326,000 | 149,753,000 |
| Interest-bearing deposits | 99,856,000 | 96,590,000 | 94,194,000 | 97,834,000 |
| Noninterest-bearing deposits | 50,686,000 | 49,365,000 | 52,132,000 | 51,919,000 |
| Equity capital | 13,555,000 | 14,178,000 | 14,640,000 | 14,728,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 2,132,000 | 4,362,000 | 6,750,000 | 9,150,000 |
| Interest expense | 302,000 | 650,000 | 1,090,000 | 1,605,000 |
| Net interest income | 1,830,000 | 3,712,000 | 5,660,000 | 7,545,000 |
| Noninterest income | 274,000 | 679,000 | 968,000 | 1,246,000 |
| Noninterest expense | 1,243,000 | 2,607,000 | 3,962,000 | 5,426,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 90,000 |
| Pretax income | 831,000 | 1,724,000 | 2,576,000 | 3,275,000 |
| Income tax | 298,000 | 663,000 | 985,000 | 1,257,000 |
| Net income | 533,000 | 1,061,000 | 1,591,000 | 2,018,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,757,000 | 14,285,000 | 14,815,000 | 14,924,000 |
| Total capital | 15,288,000 | 15,811,000 | 16,397,000 | 16,468,000 |
| Risk-weighted assets | 122,194,000 | 121,781,000 | 126,204,000 | 123,287,000 |