Call reports 2006
FIRST CITIZENS BANK OF BILLINGS — 2006
What FIRST CITIZENS BANK OF BILLINGS reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 168,143,000 | 175,243,000 | 170,865,000 | 185,352,000 |
| Total loans | 119,757,000 | 131,059,000 | 130,706,000 | 128,935,000 |
| Allowance for loan losses | 3,266,000 | 3,262,000 | 2,586,000 | 2,576,000 |
| Securities available for sale | 31,966,000 | 26,761,000 | 6,913,000 | 6,978,000 |
| Securities held to maturity | 369,000 | 369,000 | 319,000 | 317,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 145,480,000 | 140,398,000 | 148,003,000 | 145,087,000 |
| Interest-bearing deposits | 95,898,000 | 91,994,000 | 95,205,000 | 92,133,000 |
| Noninterest-bearing deposits | 49,582,000 | 48,404,000 | 52,798,000 | 52,954,000 |
| Equity capital | 13,269,000 | 13,879,000 | 14,661,000 | 31,733,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 2,435,000 | 5,140,000 | 8,042,000 | 3,092,000 |
| Interest expense | 597,000 | 1,336,000 | 2,188,000 | 801,000 |
| Net interest income | 1,838,000 | 3,804,000 | 5,854,000 | 2,291,000 |
| Noninterest income | 225,000 | 440,000 | 718,000 | 234,000 |
| Noninterest expense | 1,370,000 | 2,628,000 | 3,808,000 | 1,201,000 |
| Provision for loan losses | 1,500,000 | 1,500,000 | 1,500,000 | 0 |
| Pretax income | -807,000 | 116,000 | 1,174,000 | 1,324,000 |
| Income tax | -326,000 | 24,000 | 406,000 | 551,000 |
| Net income | -481,000 | 92,000 | 768,000 | 773,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,441,000 | 14,015,000 | 14,698,000 | 12,857,000 |
| Total capital | 15,030,000 | 15,676,000 | 16,331,000 | 14,494,000 |
| Risk-weighted assets | 125,434,000 | 131,294,000 | 129,706,000 | 129,996,000 |