Call reports 2016
VALLEY BANK OF KALISPELL — 2016
What VALLEY BANK OF KALISPELL reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 115,281,000 | 118,902,000 | 121,931,000 | 123,159,000 |
| Total loans | 56,070,000 | 59,852,000 | 62,541,000 | 62,806,000 |
| Allowance for loan losses | 814,000 | 751,000 | 753,000 | 772,000 |
| Securities available for sale | 55,086,000 | 54,474,000 | 54,348,000 | 54,874,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 100,581,000 | 100,327,000 | 106,417,000 | 109,328,000 |
| Interest-bearing deposits | 66,805,000 | 65,541,000 | 67,774,000 | 66,978,000 |
| Noninterest-bearing deposits | 33,776,000 | 34,786,000 | 38,643,000 | 42,350,000 |
| Equity capital | 14,243,000 | 14,805,000 | 14,889,000 | 13,691,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,052,000 | 2,130,000 | 3,260,000 | 4,509,000 |
| Interest expense | 61,000 | 124,000 | 185,000 | 245,000 |
| Net interest income | 991,000 | 2,006,000 | 3,075,000 | 4,264,000 |
| Noninterest income | 88,000 | 152,000 | 266,000 | 352,000 |
| Noninterest expense | 866,000 | 1,658,000 | 2,546,000 | 3,344,000 |
| Provision for loan losses | 0 | 0 | 0 | 260,000 |
| Pretax income | 231,000 | 518,000 | 830,000 | 1,047,000 |
| Income tax | 49,000 | 130,000 | 210,000 | 249,000 |
| Net income | 182,000 | 388,000 | 620,000 | 798,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,436,000 | 13,642,000 | 13,874,000 | 14,052,000 |
| Total capital | 14,250,000 | 14,393,000 | 14,627,000 | 14,824,000 |
| Risk-weighted assets | 72,316,000 | 73,710,000 | 78,041,000 | 77,307,000 |