Call reports 2003
VALLEY BANK OF KALISPELL — 2003
What VALLEY BANK OF KALISPELL reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 103,683,000 | 106,274,000 | 111,917,000 | 110,557,000 |
| Total loans | 61,270,000 | 61,306,000 | 60,344,000 | 57,238,000 |
| Allowance for loan losses | 736,000 | 790,000 | 786,000 | 810,000 |
| Securities available for sale | 33,002,000 | 29,623,000 | 29,793,000 | 35,802,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 87,893,000 | 90,412,000 | 96,132,000 | 94,322,000 |
| Interest-bearing deposits | 70,296,000 | 69,580,000 | 74,282,000 | 73,712,000 |
| Noninterest-bearing deposits | 17,597,000 | 20,832,000 | 21,850,000 | 20,610,000 |
| Equity capital | 14,966,000 | 15,329,000 | 15,417,000 | 15,848,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,507,000 | 2,986,000 | 4,393,000 | 5,766,000 |
| Interest expense | 342,000 | 640,000 | 922,000 | 1,178,000 |
| Net interest income | 1,165,000 | 2,346,000 | 3,471,000 | 4,588,000 |
| Noninterest income | 545,000 | 722,000 | 885,000 | 1,066,000 |
| Noninterest expense | 679,000 | 1,433,000 | 2,191,000 | 2,907,000 |
| Provision for loan losses | 24,000 | 55,000 | 84,000 | 114,000 |
| Pretax income | 1,013,000 | 1,608,000 | 2,110,000 | 2,668,000 |
| Income tax | 317,000 | 517,000 | 683,000 | 865,000 |
| Net income | 696,000 | 1,091,000 | 1,427,000 | 1,803,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,507,000 | 14,903,000 | 15,239,000 | 15,615,000 |
| Total capital | 15,243,000 | 15,693,000 | 16,025,000 | 16,416,000 |
| Risk-weighted assets | 65,368,000 | 65,810,000 | 65,943,000 | 64,085,000 |
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