Call reports 2007
BIG SKY WESTERN BANK — 2007
What BIG SKY WESTERN BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 282,275,000 | 288,483,000 | 297,699,000 | 316,056,000 |
| Total loans | 227,471,000 | 237,328,000 | 250,514,000 | 267,566,000 |
| Allowance for loan losses | 4,013,000 | 4,085,000 | 4,210,000 | 4,632,000 |
| Securities available for sale | 24,117,000 | 21,695,000 | 20,030,000 | 18,662,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 219,811,000 | 217,763,000 | 223,582,000 | 215,771,000 |
| Interest-bearing deposits | 157,811,000 | 156,575,000 | 164,038,000 | 162,286,000 |
| Noninterest-bearing deposits | 62,000,000 | 61,189,000 | 59,545,000 | 53,485,000 |
| Equity capital | 32,419,000 | 33,276,000 | 34,369,000 | 35,407,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 4,840,000 | 9,913,000 | 15,243,000 | 20,783,000 |
| Interest expense | 1,862,000 | 3,783,000 | 5,821,000 | 7,806,000 |
| Net interest income | 2,978,000 | 6,130,000 | 9,422,000 | 12,977,000 |
| Noninterest income | 665,000 | 1,453,000 | 2,232,000 | 3,031,000 |
| Noninterest expense | 1,794,000 | 3,587,000 | 5,350,000 | 7,058,000 |
| Provision for loan losses | 30,000 | 95,000 | 220,000 | 645,000 |
| Pretax income | 1,819,000 | 3,901,000 | 6,084,000 | 8,305,000 |
| Income tax | 684,000 | 1,471,000 | 2,299,000 | 3,144,000 |
| Net income | 1,135,000 | 2,430,000 | 3,785,000 | 5,161,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,500,000 | 31,492,000 | 32,506,000 | 33,497,000 |
| Total capital | 33,817,000 | 34,857,000 | 36,062,000 | 37,300,000 |
| Risk-weighted assets | 264,632,000 | 268,449,000 | 283,837,000 | 303,408,000 |