Call reports 2009
BIG SKY WESTERN BANK — 2009
What BIG SKY WESTERN BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 332,618,000 | 332,550,000 | 363,592,000 | 369,636,000 |
| Total loans | 292,020,000 | 285,514,000 | 283,111,000 | 270,969,000 |
| Allowance for loan losses | 5,857,000 | 6,852,000 | 8,862,000 | 10,536,000 |
| Securities available for sale | 16,770,000 | 16,112,000 | 47,680,000 | 67,815,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 183,310,000 | 180,525,000 | 184,773,000 | 184,278,000 |
| Interest-bearing deposits | 134,498,000 | 136,039,000 | 137,241,000 | 142,724,000 |
| Noninterest-bearing deposits | 48,812,000 | 44,486,000 | 47,532,000 | 41,553,000 |
| Equity capital | 41,183,000 | 47,040,000 | 46,546,000 | 51,614,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 4,790,000 | 9,329,000 | 13,842,000 | 18,368,000 |
| Interest expense | 626,000 | 1,186,000 | 1,756,000 | 2,373,000 |
| Net interest income | 4,164,000 | 8,143,000 | 12,086,000 | 15,995,000 |
| Noninterest income | 820,000 | 1,768,000 | 2,450,000 | 3,057,000 |
| Noninterest expense | 1,867,000 | 3,872,000 | 6,108,000 | 8,251,000 |
| Provision for loan losses | 1,400,000 | 3,200,000 | 7,000,000 | 9,200,000 |
| Pretax income | 1,717,000 | 2,839,000 | 1,428,000 | 1,601,000 |
| Income tax | 609,000 | 955,000 | 218,000 | 121,000 |
| Net income | 1,108,000 | 1,884,000 | 1,210,000 | 1,480,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,320,000 | 45,114,000 | 44,469,000 | 49,766,000 |
| Total capital | 43,343,000 | 49,152,000 | 48,536,000 | 53,721,000 |
| Risk-weighted assets | 319,977,000 | 320,252,000 | 320,563,000 | 309,820,000 |