Call reports 2002
VALLEY BANK OF KALISPELL — 2002
What VALLEY BANK OF KALISPELL reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 103,810,000 | 104,607,000 | 105,315,000 | 107,008,000 |
| Total loans | 53,497,000 | 58,047,000 | 59,889,000 | 60,573,000 |
| Allowance for loan losses | 812,000 | 615,000 | 630,000 | 732,000 |
| Securities available for sale | 40,901,000 | 35,583,000 | 31,736,000 | 33,166,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 88,165,000 | 88,349,000 | 89,384,000 | 90,873,000 |
| Interest-bearing deposits | 73,015,000 | 69,356,000 | 70,420,000 | 71,378,000 |
| Noninterest-bearing deposits | 15,150,000 | 18,993,000 | 18,964,000 | 19,495,000 |
| Equity capital | 14,168,000 | 14,817,000 | 15,355,000 | 15,547,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 1,632,000 | 3,266,000 | 4,864,000 | 6,481,000 |
| Interest expense | 532,000 | 998,000 | 1,412,000 | 1,794,000 |
| Net interest income | 1,100,000 | 2,268,000 | 3,452,000 | 4,687,000 |
| Noninterest income | 158,000 | 316,000 | 472,000 | 527,000 |
| Noninterest expense | 642,000 | 1,356,000 | 2,013,000 | 2,698,000 |
| Provision for loan losses | 13,000 | 27,000 | 40,000 | 154,000 |
| Pretax income | 603,000 | 1,201,000 | 1,904,000 | 2,395,000 |
| Income tax | 197,000 | 427,000 | 652,000 | 898,000 |
| Net income | 406,000 | 774,000 | 1,252,000 | 1,497,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,101,000 | 14,469,000 | 14,947,000 | 15,191,000 |
| Total capital | 14,864,000 | 15,084,000 | 15,577,000 | 15,923,000 |
| Risk-weighted assets | 60,968,000 | 63,783,000 | 64,292,000 | 64,768,000 |
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