Call reports 2002
BIG SKY WESTERN BANK — 2002
What BIG SKY WESTERN BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 166,218,000 | 169,094,000 | 175,368,000 | 179,543,000 |
| Total loans | 109,140,000 | 111,784,000 | 114,412,000 | 113,470,000 |
| Allowance for loan losses | 1,876,000 | 1,946,000 | 2,024,000 | 2,091,000 |
| Securities available for sale | 42,973,000 | 43,336,000 | 41,417,000 | 48,669,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 88,279,000 | 92,263,000 | 99,760,000 | 95,897,000 |
| Interest-bearing deposits | 68,781,000 | 74,856,000 | 75,817,000 | 72,343,000 |
| Noninterest-bearing deposits | 19,498,000 | 17,407,000 | 23,943,000 | 23,554,000 |
| Equity capital | 14,033,000 | 14,889,000 | 15,732,000 | 16,438,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 2,820,000 | 5,594,000 | 8,451,000 | 11,211,000 |
| Interest expense | 1,198,000 | 2,234,000 | 3,269,000 | 4,278,000 |
| Net interest income | 1,622,000 | 3,360,000 | 5,182,000 | 6,933,000 |
| Noninterest income | 387,000 | 661,000 | 1,023,000 | 1,453,000 |
| Noninterest expense | 929,000 | 1,778,000 | 2,669,000 | 3,602,000 |
| Provision for loan losses | 75,000 | 150,000 | 240,000 | 330,000 |
| Pretax income | 1,005,000 | 2,093,000 | 3,296,000 | 4,454,000 |
| Income tax | 394,000 | 815,000 | 1,264,000 | 1,705,000 |
| Net income | 611,000 | 1,278,000 | 2,032,000 | 2,749,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,747,000 | 12,426,000 | 13,193,000 | 13,922,000 |
| Total capital | 13,243,000 | 13,983,000 | 14,767,000 | 15,543,000 |
| Risk-weighted assets | 119,300,000 | 124,191,000 | 125,435,000 | 129,229,000 |