Call reports 2006
BIG SKY WESTERN BANK — 2006
What BIG SKY WESTERN BANK 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 | 275,158,000 | 275,250,000 | 274,995,000 | 274,415,000 |
| Total loans | 210,462,000 | 217,904,000 | 221,616,000 | 222,506,000 |
| Allowance for loan losses | 3,857,000 | 3,908,000 | 3,954,000 | 4,024,000 |
| Securities available for sale | 33,190,000 | 30,206,000 | 28,100,000 | 26,045,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 220,371,000 | 205,072,000 | 191,833,000 | 223,177,000 |
| Interest-bearing deposits | 152,059,000 | 133,010,000 | 127,325,000 | 161,011,000 |
| Noninterest-bearing deposits | 68,312,000 | 72,062,000 | 64,508,000 | 62,166,000 |
| Equity capital | 27,765,000 | 28,926,000 | 30,243,000 | 31,597,000 |
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 | 4,367,000 | 9,038,000 | 13,701,000 | 18,614,000 |
| Interest expense | 1,363,000 | 2,930,000 | 4,508,000 | 6,323,000 |
| Net interest income | 3,004,000 | 6,108,000 | 9,193,000 | 12,291,000 |
| Noninterest income | 507,000 | 1,128,000 | 1,724,000 | 2,367,000 |
| Noninterest expense | 1,470,000 | 3,037,000 | 4,770,000 | 6,407,000 |
| Provision for loan losses | 120,000 | 170,000 | 235,000 | 305,000 |
| Pretax income | 1,921,000 | 4,029,000 | 5,912,000 | 7,946,000 |
| Income tax | 722,000 | 1,518,000 | 2,243,000 | 2,703,000 |
| Net income | 1,199,000 | 2,511,000 | 3,669,000 | 5,243,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,975,000 | 27,291,000 | 28,372,000 | 29,696,000 |
| Total capital | 29,081,000 | 30,334,000 | 31,494,000 | 32,934,000 |
| Risk-weighted assets | 247,723,000 | 242,540,000 | 248,952,000 | 258,288,000 |