Call reports 2012
VALLEY BANK OF KALISPELL — 2012
What VALLEY BANK OF KALISPELL reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 101,031,000 | 106,040,000 | 107,100,000 | 109,616,000 |
| Total loans | 46,256,000 | 48,272,000 | 49,104,000 | 45,596,000 |
| Allowance for loan losses | 1,054,000 | 1,168,000 | 1,252,000 | 1,329,000 |
| Securities available for sale | 48,434,000 | 45,152,000 | 48,760,000 | 50,856,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 88,881,000 | 93,559,000 | 94,656,000 | 97,113,000 |
| Interest-bearing deposits | 66,825,000 | 66,887,000 | 66,593,000 | 69,232,000 |
| Noninterest-bearing deposits | 22,056,000 | 26,672,000 | 28,063,000 | 27,881,000 |
| Equity capital | 11,870,000 | 12,078,000 | 12,244,000 | 12,288,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,189,000 | 2,233,000 | 3,257,000 | 4,271,000 |
| Interest expense | 124,000 | 229,000 | 324,000 | 422,000 |
| Net interest income | 1,065,000 | 2,004,000 | 2,933,000 | 3,849,000 |
| Noninterest income | 96,000 | 187,000 | 102,000 | 211,000 |
| Noninterest expense | 736,000 | 1,523,000 | 2,389,000 | 3,140,000 |
| Provision for loan losses | 48,000 | 167,000 | 570,000 | 570,000 |
| Pretax income | 377,000 | 604,000 | 214,000 | 543,000 |
| Income tax | 101,000 | 147,000 | -33,000 | 56,000 |
| Net income | 276,000 | 457,000 | 247,000 | 487,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,110,000 | 11,291,000 | 11,080,000 | 11,320,000 |
| Total capital | 11,813,000 | 12,024,000 | 11,805,000 | 12,028,000 |
| Risk-weighted assets | 55,826,000 | 58,178,000 | 57,506,000 | 56,005,000 |