Call reports 2008
VALLEY BANK OF KALISPELL — 2008
What VALLEY BANK OF KALISPELL reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 99,893,000 | 99,219,000 | 99,007,000 | 96,703,000 |
| Total loans | 67,802,000 | 68,709,000 | 67,855,000 | 66,762,000 |
| Allowance for loan losses | 831,000 | 815,000 | 869,000 | 839,000 |
| Securities available for sale | 25,766,000 | 22,905,000 | 23,120,000 | 23,749,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 87,822,000 | 88,529,000 | 88,070,000 | 85,421,000 |
| Interest-bearing deposits | 68,249,000 | 70,695,000 | 69,533,000 | 67,866,000 |
| Noninterest-bearing deposits | 19,573,000 | 17,834,000 | 18,537,000 | 17,555,000 |
| Equity capital | 10,236,000 | 10,340,000 | 10,568,000 | 10,999,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,759,000 | 3,343,000 | 4,907,000 | 6,387,000 |
| Interest expense | 473,000 | 897,000 | 1,295,000 | 1,653,000 |
| Net interest income | 1,286,000 | 2,446,000 | 3,612,000 | 4,734,000 |
| Noninterest income | 156,000 | 233,000 | 341,000 | 479,000 |
| Noninterest expense | 822,000 | 1,595,000 | 2,376,000 | 3,156,000 |
| Provision for loan losses | 22,000 | 45,000 | 114,000 | 137,000 |
| Pretax income | 604,000 | 1,040,000 | 1,464,000 | 1,921,000 |
| Income tax | 178,000 | 398,000 | 526,000 | 666,000 |
| Net income | 426,000 | 688,000 | 984,000 | 1,301,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,176,000 | 10,437,000 | 10,734,000 | 11,051,000 |
| Total capital | 11,007,000 | 11,252,000 | 11,603,000 | 11,890,000 |
| Risk-weighted assets | 70,462,000 | 71,810,000 | 71,350,000 | 70,412,000 |
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