Call reports 2006
VALLEY BANK OF KALISPELL — 2006
What VALLEY BANK OF KALISPELL reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 98,150,000 | 101,278,000 | 102,077,000 | 103,745,000 |
| Total loans | 60,658,000 | 69,247,000 | 69,551,000 | 68,313,000 |
| Allowance for loan losses | 1,013,000 | 1,004,000 | 978,000 | 854,000 |
| Securities available for sale | 28,260,000 | 22,025,000 | 21,250,000 | 20,695,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 88,431,000 | 89,832,000 | 90,655,000 | 92,696,000 |
| Interest-bearing deposits | 68,510,000 | 67,157,000 | 67,053,000 | 70,831,000 |
| Noninterest-bearing deposits | 19,921,000 | 22,675,000 | 23,602,000 | 21,865,000 |
| Equity capital | 9,415,000 | 9,610,000 | 10,106,000 | 10,650,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,457,000 | 3,103,000 | 4,755,000 | 6,466,000 |
| Interest expense | 368,000 | 789,000 | 1,252,000 | 1,727,000 |
| Net interest income | 1,089,000 | 2,314,000 | 3,503,000 | 4,739,000 |
| Noninterest income | 132,000 | 265,000 | 400,000 | 552,000 |
| Noninterest expense | 757,000 | 1,498,000 | 2,297,000 | 3,061,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 464,000 | 1,121,000 | 1,627,000 | 2,251,000 |
| Income tax | 164,000 | 410,000 | 603,000 | 828,000 |
| Net income | 300,000 | 711,000 | 1,024,000 | 1,423,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,808,000 | 10,218,000 | 10,531,000 | 10,930,000 |
| Total capital | 10,611,000 | 11,115,000 | 11,428,000 | 11,784,000 |
| Risk-weighted assets | 64,139,000 | 71,652,000 | 72,640,000 | 71,672,000 |
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