Call reports 2015
VALLEY BANK OF KALISPELL — 2015
What VALLEY BANK OF KALISPELL reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 114,494,000 | 113,314,000 | 119,067,000 | 119,602,000 |
| Total loans | 47,253,000 | 49,089,000 | 50,115,000 | 54,672,000 |
| Allowance for loan losses | 1,144,000 | 807,000 | 806,000 | 807,000 |
| Securities available for sale | 63,011,000 | 60,168,000 | 55,112,000 | 57,385,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 99,126,000 | 97,501,000 | 104,257,000 | 104,747,000 |
| Interest-bearing deposits | 69,858,000 | 64,629,000 | 70,340,000 | 70,892,000 |
| Noninterest-bearing deposits | 29,268,000 | 32,872,000 | 33,917,000 | 33,855,000 |
| Equity capital | 13,698,000 | 13,719,000 | 14,300,000 | 14,407,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,015,000 | 2,349,000 | 3,408,000 | 4,446,000 |
| Interest expense | 66,000 | 132,000 | 193,000 | 255,000 |
| Net interest income | 949,000 | 2,217,000 | 3,215,000 | 4,191,000 |
| Noninterest income | 95,000 | 383,000 | 479,000 | 551,000 |
| Noninterest expense | 832,000 | 1,560,000 | 2,367,000 | 3,111,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 236,000 | 1,066,000 | 1,430,000 | 1,734,000 |
| Income tax | 46,000 | 319,000 | 416,000 | 488,000 |
| Net income | 190,000 | 747,000 | 1,014,000 | 1,246,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,821,000 | 13,378,000 | 13,645,000 | 13,877,000 |
| Total capital | 13,591,000 | 14,185,000 | 14,451,000 | 14,684,000 |
| Risk-weighted assets | 61,192,000 | 70,316,000 | 68,542,000 | 72,509,000 |