Call reports 2009
VALLEY BANK OF KALISPELL — 2009
What VALLEY BANK OF KALISPELL reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 92,020,000 | 96,140,000 | 93,172,000 | 96,167,000 |
| Total loans | 64,052,000 | 62,064,000 | 58,100,000 | 56,909,000 |
| Allowance for loan losses | 1,049,000 | 989,000 | 1,017,000 | 934,000 |
| Securities available for sale | 22,609,000 | 21,644,000 | 23,064,000 | 23,104,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 81,622,000 | 85,471,000 | 82,153,000 | 85,198,000 |
| Interest-bearing deposits | 64,160,000 | 67,034,000 | 63,658,000 | 65,581,000 |
| Noninterest-bearing deposits | 17,462,000 | 18,437,000 | 18,495,000 | 19,617,000 |
| Equity capital | 10,156,000 | 10,359,000 | 10,759,000 | 10,761,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,395,000 | 2,803,000 | 4,031,000 | 5,256,000 |
| Interest expense | 292,000 | 581,000 | 844,000 | 1,089,000 |
| Net interest income | 1,103,000 | 2,222,000 | 3,187,000 | 4,167,000 |
| Noninterest income | 110,000 | 202,000 | 251,000 | 401,000 |
| Noninterest expense | 749,000 | 1,628,000 | 2,408,000 | 3,176,000 |
| Provision for loan losses | 215,000 | 255,000 | 647,000 | 692,000 |
| Pretax income | 249,000 | 633,000 | 483,000 | 809,000 |
| Income tax | 72,000 | 197,000 | 99,000 | 190,000 |
| Net income | 177,000 | 436,000 | 384,000 | 619,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,058,000 | 10,317,000 | 10,265,000 | 10,500,000 |
| Total capital | 10,898,000 | 11,160,000 | 11,077,000 | 11,316,000 |
| Risk-weighted assets | 66,981,000 | 67,247,000 | 64,698,000 | 65,146,000 |