Call reports 2005
VALLEY BANK OF KALISPELL — 2005
What VALLEY BANK OF KALISPELL reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 107,012,000 | 104,158,000 | 103,007,000 | 99,663,000 |
| Total loans | 55,888,000 | 58,175,000 | 59,798,000 | 61,416,000 |
| Allowance for loan losses | 1,023,000 | 1,031,000 | 1,017,000 | 1,010,000 |
| Securities available for sale | 35,747,000 | 32,145,000 | 31,088,000 | 29,318,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 97,408,000 | 93,954,000 | 92,551,000 | 86,936,000 |
| Interest-bearing deposits | 74,217,000 | 70,908,000 | 67,948,000 | 66,281,000 |
| Noninterest-bearing deposits | 23,191,000 | 23,046,000 | 24,603,000 | 20,655,000 |
| Equity capital | 9,392,000 | 10,022,000 | 10,276,000 | 10,488,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,357,000 | 2,759,000 | 4,222,000 | 5,714,000 |
| Interest expense | 260,000 | 527,000 | 838,000 | 1,153,000 |
| Net interest income | 1,097,000 | 2,232,000 | 3,384,000 | 4,561,000 |
| Noninterest income | 169,000 | 311,000 | 462,000 | 631,000 |
| Noninterest expense | 825,000 | 1,500,000 | 2,239,000 | 2,915,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 499,000 | 1,129,000 | 1,693,000 | 2,363,000 |
| Income tax | 197,000 | 414,000 | 608,000 | 847,000 |
| Net income | 302,000 | 715,000 | 1,085,000 | 1,516,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,644,000 | 10,056,000 | 10,426,000 | 10,857,000 |
| Total capital | 10,442,000 | 10,862,000 | 11,239,000 | 11,666,000 |
| Risk-weighted assets | 63,630,000 | 64,219,000 | 64,817,000 | 64,557,000 |
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