Call reports 2003
BIG SKY WESTERN BANK — 2003
What BIG SKY WESTERN BANK 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 | 186,439,000 | 192,697,000 | 191,780,000 | 209,342,000 |
| Total loans | 120,040,000 | 122,111,000 | 121,611,000 | 128,003,000 |
| Allowance for loan losses | 2,150,000 | 2,222,000 | 2,286,000 | 2,339,000 |
| Securities available for sale | 49,872,000 | 53,396,000 | 52,382,000 | 61,659,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 100,746,000 | 103,009,000 | 111,229,000 | 115,496,000 |
| Interest-bearing deposits | 76,628,000 | 77,120,000 | 81,157,000 | 84,423,000 |
| Noninterest-bearing deposits | 24,118,000 | 25,888,000 | 30,072,000 | 31,073,000 |
| Equity capital | 16,763,000 | 17,166,000 | 17,452,000 | 17,882,000 |
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 | 2,659,000 | 5,283,000 | 7,971,000 | 10,739,000 |
| Interest expense | 910,000 | 1,781,000 | 2,583,000 | 3,316,000 |
| Net interest income | 1,749,000 | 3,502,000 | 5,388,000 | 7,423,000 |
| Noninterest income | 415,000 | 831,000 | 1,313,000 | 1,665,000 |
| Noninterest expense | 941,000 | 1,930,000 | 2,962,000 | 4,101,000 |
| Provision for loan losses | 60,000 | 130,000 | 190,000 | 250,000 |
| Pretax income | 1,163,000 | 2,097,000 | 3,373,000 | 4,561,000 |
| Income tax | 443,000 | 795,000 | 1,283,000 | 1,730,000 |
| Net income | 720,000 | 1,302,000 | 2,090,000 | 2,831,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,404,000 | 14,745,000 | 15,244,000 | 15,695,000 |
| Total capital | 16,127,000 | 16,525,000 | 17,069,000 | 17,595,000 |
| Risk-weighted assets | 137,410,000 | 141,974,000 | 145,509,000 | 151,559,000 |