Call reports 2007
VALLEY BANK OF KALISPELL — 2007
What VALLEY BANK OF KALISPELL reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 103,218,000 | 106,723,000 | 106,244,000 | 104,868,000 |
| Total loans | 69,421,000 | 73,350,000 | 68,277,000 | 67,896,000 |
| Allowance for loan losses | 825,000 | 836,000 | 782,000 | 845,000 |
| Securities available for sale | 19,901,000 | 18,971,000 | 20,387,000 | 24,397,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 93,022,000 | 96,299,000 | 95,403,000 | 93,508,000 |
| Interest-bearing deposits | 71,668,000 | 72,057,000 | 74,655,000 | 73,943,000 |
| Noninterest-bearing deposits | 21,354,000 | 24,242,000 | 20,748,000 | 19,565,000 |
| Equity capital | 9,700,000 | 10,091,000 | 10,470,000 | 10,952,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,775,000 | 3,598,000 | 5,423,000 | 7,241,000 |
| Interest expense | 453,000 | 928,000 | 1,442,000 | 1,967,000 |
| Net interest income | 1,322,000 | 2,670,000 | 3,981,000 | 5,274,000 |
| Noninterest income | 129,000 | 249,000 | 363,000 | 471,000 |
| Noninterest expense | 837,000 | 1,579,000 | 2,504,000 | 3,295,000 |
| Provision for loan losses | 0 | 0 | 15,000 | 37,000 |
| Pretax income | 614,000 | 1,340,000 | 1,825,000 | 2,413,000 |
| Income tax | 226,000 | 499,000 | 679,000 | 893,000 |
| Net income | 388,000 | 841,000 | 1,146,000 | 1,520,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,969,000 | 10,421,000 | 10,726,000 | 11,100,000 |
| Total capital | 10,794,000 | 11,257,000 | 11,508,000 | 11,945,000 |
| Risk-weighted assets | 72,889,000 | 76,303,000 | 71,899,000 | 70,880,000 |
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