Call reports 2010
VALLEY BANK OF KALISPELL — 2010
What VALLEY BANK OF KALISPELL reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 90,866,000 | 99,336,000 | 102,735,000 | 103,637,000 |
| Total loans | 56,250,000 | 55,425,000 | 53,776,000 | 50,596,000 |
| Allowance for loan losses | 1,011,000 | 993,000 | 1,439,000 | 1,129,000 |
| Securities available for sale | 23,407,000 | 22,033,000 | 29,713,000 | 36,029,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 79,964,000 | 88,285,000 | 91,655,000 | 92,788,000 |
| Interest-bearing deposits | 17,909,000 | 68,602,000 | 71,925,000 | 72,163,000 |
| Noninterest-bearing deposits | 62,055,000 | 19,683,000 | 19,730,000 | 20,625,000 |
| Equity capital | 10,713,000 | 10,893,000 | 10,878,000 | 10,779,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,189,000 | 2,294,000 | 3,408,000 | 4,435,000 |
| Interest expense | 239,000 | 470,000 | 707,000 | 923,000 |
| Net interest income | 950,000 | 1,824,000 | 2,701,000 | 3,512,000 |
| Noninterest income | 138,000 | 260,000 | 373,000 | 479,000 |
| Noninterest expense | 711,000 | 1,581,000 | 2,411,000 | 3,121,000 |
| Provision for loan losses | 378,000 | 423,000 | 907,000 | 952,000 |
| Pretax income | -1,000 | 85,000 | -196,000 | -34,000 |
| Income tax | -9,000 | -60,000 | -207,000 | -187,000 |
| Net income | 8,000 | 145,000 | 11,000 | 153,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,508,000 | 10,645,000 | 10,511,000 | 10,653,000 |
| Total capital | 11,291,000 | 11,438,000 | 11,304,000 | 11,429,000 |
| Risk-weighted assets | 62,397,000 | 63,266,000 | 62,799,000 | 61,725,000 |