Call reports 2008
BIG SKY WESTERN BANK — 2008
What BIG SKY WESTERN BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 311,900,000 | 331,108,000 | 334,850,000 | 332,841,000 |
| Total loans | 269,743,000 | 287,608,000 | 294,524,000 | 293,625,000 |
| Allowance for loan losses | 4,934,000 | 5,248,000 | 5,650,000 | 6,232,000 |
| Securities available for sale | 17,598,000 | 17,957,000 | 16,387,000 | 17,765,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 212,464,000 | 192,167,000 | 153,848,000 | 179,834,000 |
| Interest-bearing deposits | 154,690,000 | 144,208,000 | 105,687,000 | 133,181,000 |
| Noninterest-bearing deposits | 57,774,000 | 47,959,000 | 48,161,000 | 46,653,000 |
| Equity capital | 36,595,000 | 37,674,000 | 38,758,000 | 40,384,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 5,444,000 | 10,758,000 | 16,135,000 | 21,270,000 |
| Interest expense | 1,697,000 | 3,051,000 | 4,435,000 | 5,279,000 |
| Net interest income | 3,747,000 | 7,707,000 | 11,700,000 | 15,991,000 |
| Noninterest income | 784,000 | 1,614,000 | 2,371,000 | 3,044,000 |
| Noninterest expense | 1,811,000 | 3,630,000 | 5,458,000 | 7,245,000 |
| Provision for loan losses | 300,000 | 800,000 | 1,250,000 | 2,200,000 |
| Pretax income | 2,420,000 | 4,891,000 | 7,363,000 | 9,590,000 |
| Income tax | 922,000 | 1,855,000 | 2,784,000 | 3,587,000 |
| Net income | 1,498,000 | 3,036,000 | 4,579,000 | 6,003,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,666,000 | 35,849,000 | 37,093,000 | 38,561,000 |
| Total capital | 38,423,000 | 39,885,000 | 41,183,000 | 42,642,000 |
| Risk-weighted assets | 299,410,000 | 321,637,000 | 325,649,000 | 324,362,000 |