Call reports 2004
VALLEY BANK OF KALISPELL — 2004
What VALLEY BANK OF KALISPELL reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 105,583,000 | 101,898,000 | 106,751,000 | 111,370,000 |
| Total loans | 58,526,000 | 57,198,000 | 56,828,000 | 54,590,000 |
| Allowance for loan losses | 838,000 | 849,000 | 870,000 | 1,033,000 |
| Securities available for sale | 35,703,000 | 31,537,000 | 34,480,000 | 38,585,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 92,901,000 | 91,868,000 | 95,851,000 | 100,254,000 |
| Interest-bearing deposits | 73,280,000 | 72,584,000 | 73,794,000 | 75,275,000 |
| Noninterest-bearing deposits | 19,621,000 | 19,284,000 | 22,057,000 | 24,979,000 |
| Equity capital | 10,008,000 | 9,814,000 | 10,592,000 | 10,882,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,372,000 | 2,745,000 | 4,093,000 | 5,464,000 |
| Interest expense | 233,000 | 456,000 | 679,000 | 909,000 |
| Net interest income | 1,139,000 | 2,289,000 | 3,414,000 | 4,555,000 |
| Noninterest income | 173,000 | 388,000 | 558,000 | 702,000 |
| Noninterest expense | 692,000 | 1,388,000 | 2,153,000 | 2,876,000 |
| Provision for loan losses | 30,000 | 60,000 | 80,000 | 95,000 |
| Pretax income | 610,000 | 1,359,000 | 1,895,000 | 2,442,000 |
| Income tax | 207,000 | 466,000 | 622,000 | 795,000 |
| Net income | 403,000 | 893,000 | 1,273,000 | 1,647,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,597,000 | 10,087,000 | 10,468,000 | 10,841,000 |
| Total capital | 10,406,000 | 10,886,000 | 11,269,000 | 11,638,000 |
| Risk-weighted assets | 64,707,000 | 63,806,000 | 64,048,000 | 63,470,000 |
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