Call reports 2013
VALLEY BANK OF KALISPELL — 2013
What VALLEY BANK OF KALISPELL reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 107,506,000 | 102,344,000 | 112,410,000 | 111,474,000 |
| Total loans | 45,626,000 | 46,071,000 | 43,980,000 | 43,199,000 |
| Allowance for loan losses | 1,331,000 | 1,331,000 | 1,341,000 | 1,324,000 |
| Securities available for sale | 52,763,000 | 50,301,000 | 55,461,000 | 58,274,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 94,631,000 | 90,747,000 | 100,184,000 | 99,511,000 |
| Interest-bearing deposits | 67,193,000 | 61,811,000 | 67,912,000 | 66,653,000 |
| Noninterest-bearing deposits | 27,438,000 | 28,936,000 | 32,272,000 | 32,858,000 |
| Equity capital | 12,336,000 | 11,425,000 | 11,942,000 | 11,709,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 942,000 | 1,949,000 | 2,905,000 | 3,883,000 |
| Interest expense | 90,000 | 166,000 | 239,000 | 319,000 |
| Net interest income | 852,000 | 1,783,000 | 2,666,000 | 3,564,000 |
| Noninterest income | 113,000 | 217,000 | 321,000 | 426,000 |
| Noninterest expense | 735,000 | 1,523,000 | 2,277,000 | 3,082,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 230,000 | 490,000 | 723,000 | 921,000 |
| Income tax | 54,000 | 120,000 | 174,000 | 212,000 |
| Net income | 176,000 | 370,000 | 549,000 | 709,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,497,000 | 11,690,000 | 11,869,000 | 12,031,000 |
| Total capital | 12,197,000 | 12,406,000 | 12,592,000 | 12,747,000 |
| Risk-weighted assets | 55,401,000 | 56,677,000 | 57,235,000 | 56,703,000 |