Call reports 2005
BIG SKY WESTERN BANK — 2005
What BIG SKY WESTERN BANK 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 | 257,219,000 | 268,972,000 | 273,724,000 | 267,403,000 |
| Total loans | 184,039,000 | 199,770,000 | 209,681,000 | 207,607,000 |
| Allowance for loan losses | 3,004,000 | 3,244,000 | 3,522,000 | 3,738,000 |
| Securities available for sale | 51,072,000 | 44,188,000 | 39,821,000 | 36,026,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 141,103,000 | 164,730,000 | 195,279,000 | 191,040,000 |
| Interest-bearing deposits | 90,996,000 | 109,398,000 | 138,851,000 | 133,103,000 |
| Noninterest-bearing deposits | 50,108,000 | 55,332,000 | 56,428,000 | 57,937,000 |
| Equity capital | 21,454,000 | 24,315,000 | 25,480,000 | 26,581,000 |
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 | 3,596,000 | 7,552,000 | 11,799,000 | 16,156,000 |
| Interest expense | 890,000 | 1,976,000 | 3,164,000 | 4,426,000 |
| Net interest income | 2,706,000 | 5,576,000 | 8,635,000 | 11,730,000 |
| Noninterest income | 456,000 | 1,014,000 | 1,652,000 | 2,148,000 |
| Noninterest expense | 1,232,000 | 2,532,000 | 3,938,000 | 5,375,000 |
| Provision for loan losses | 200,000 | 440,000 | 740,000 | 965,000 |
| Pretax income | 1,730,000 | 3,595,000 | 5,586,000 | 7,515,000 |
| Income tax | 645,000 | 1,344,000 | 2,093,000 | 2,819,000 |
| Net income | 1,085,000 | 2,251,000 | 3,493,000 | 4,696,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,640,000 | 22,311,000 | 23,560,000 | 24,769,000 |
| Total capital | 22,405,000 | 25,345,000 | 26,683,000 | 27,842,000 |
| Risk-weighted assets | 220,951,000 | 242,550,000 | 249,470,000 | 245,153,000 |