Call reports 2010
BIG SKY WESTERN BANK — 2010
What BIG SKY WESTERN BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 376,796,000 | 366,795,000 | 365,348,000 | 362,206,000 |
| Total loans | 263,755,000 | 266,540,000 | 259,473,000 | 249,592,000 |
| Allowance for loan losses | 11,144,000 | 11,511,000 | 10,451,000 | 9,963,000 |
| Securities available for sale | 74,279,000 | 72,222,000 | 76,890,000 | 84,740,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 220,087,000 | 218,749,000 | 209,059,000 | 199,600,000 |
| Interest-bearing deposits | 176,559,000 | 201,223,000 | 158,157,000 | 154,998,000 |
| Noninterest-bearing deposits | 43,527,000 | 17,526,000 | 50,902,000 | 44,602,000 |
| Equity capital | 62,125,000 | 63,046,000 | 63,711,000 | 64,655,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 4,212,000 | 8,502,000 | 12,702,000 | 16,757,000 |
| Interest expense | 602,000 | 1,237,000 | 1,836,000 | 2,335,000 |
| Net interest income | 3,610,000 | 7,265,000 | 10,866,000 | 14,422,000 |
| Noninterest income | 563,000 | 842,000 | 26,000 | 842,000 |
| Noninterest expense | 1,918,000 | 4,170,000 | 6,176,000 | 8,218,000 |
| Provision for loan losses | 1,800,000 | 2,900,000 | 2,900,000 | 3,475,000 |
| Pretax income | 455,000 | 1,092,000 | 1,871,000 | 3,685,000 |
| Income tax | 122,000 | 57,000 | 297,000 | 945,000 |
| Net income | 333,000 | 1,035,000 | 1,574,000 | 2,740,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 60,117,000 | 60,834,000 | 61,386,000 | 62,570,000 |
| Total capital | 64,024,000 | 64,682,000 | 65,146,000 | 66,212,000 |
| Risk-weighted assets | 305,337,000 | 300,188,000 | 294,075,000 | 285,053,000 |