Call reports 2004
BIG SKY WESTERN BANK — 2004
What BIG SKY WESTERN BANK 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 | 214,116,000 | 223,596,000 | 235,058,000 | 241,062,000 |
| Total loans | 131,508,000 | 146,594,000 | 158,459,000 | 164,576,000 |
| Allowance for loan losses | 2,343,000 | 2,437,000 | 2,598,000 | 2,815,000 |
| Securities available for sale | 61,525,000 | 58,122,000 | 56,640,000 | 53,547,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 117,933,000 | 118,301,000 | 127,642,000 | 132,859,000 |
| Interest-bearing deposits | 85,904,000 | 86,608,000 | 89,818,000 | 93,407,000 |
| Noninterest-bearing deposits | 32,029,000 | 31,693,000 | 37,824,000 | 39,452,000 |
| Equity capital | 18,735,000 | 18,532,000 | 19,663,000 | 20,567,000 |
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 | 2,919,000 | 5,883,000 | 9,110,000 | 12,495,000 |
| Interest expense | 716,000 | 1,420,000 | 2,178,000 | 2,981,000 |
| Net interest income | 2,203,000 | 4,463,000 | 6,932,000 | 9,514,000 |
| Noninterest income | 464,000 | 758,000 | 1,290,000 | 1,820,000 |
| Noninterest expense | 1,194,000 | 2,391,000 | 3,642,000 | 4,955,000 |
| Provision for loan losses | 60,000 | 170,000 | 330,000 | 510,000 |
| Pretax income | 1,413,000 | 2,660,000 | 4,250,000 | 5,877,000 |
| Income tax | 519,000 | 971,000 | 1,560,000 | 2,157,000 |
| Net income | 894,000 | 1,689,000 | 2,690,000 | 3,720,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,297,000 | 16,801,000 | 17,508,000 | 18,547,000 |
| Total capital | 18,289,000 | 18,997,000 | 19,905,000 | 21,064,000 |
| Risk-weighted assets | 159,042,000 | 175,465,000 | 191,573,000 | 201,082,000 |