Call reports 2017
VALLEY BANK OF KALISPELL — 2017
What VALLEY BANK OF KALISPELL reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 121,003,000 | 120,637,000 | 111,438,000 | 117,351,000 |
| Total loans | 62,593,000 | 69,069,000 | 71,103,000 | 75,945,000 |
| Allowance for loan losses | 778,000 | 865,000 | 985,000 | 989,000 |
| Securities available for sale | 54,447,000 | 48,407,000 | 34,107,000 | 33,933,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 106,630,000 | 104,448,000 | 98,220,000 | 104,452,000 |
| Interest-bearing deposits | 70,175,000 | 68,653,000 | 57,776,000 | 68,010,000 |
| Noninterest-bearing deposits | 36,455,000 | 35,795,000 | 40,444,000 | 36,442,000 |
| Equity capital | 14,151,000 | 12,635,000 | 12,834,000 | 12,790,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 1,115,000 | 2,332,000 | 3,654,000 | 4,963,000 |
| Interest expense | 58,000 | 118,000 | 161,000 | 204,000 |
| Net interest income | 1,057,000 | 2,214,000 | 3,493,000 | 4,759,000 |
| Noninterest income | 90,000 | 217,000 | 306,000 | 432,000 |
| Noninterest expense | 1,068,000 | 2,004,000 | 2,829,000 | 3,911,000 |
| Provision for loan losses | 0 | 89,000 | 164,000 | 164,000 |
| Pretax income | 79,000 | 369,000 | 904,000 | 1,214,000 |
| Income tax | -9,000 | 64,000 | 240,000 | 340,000 |
| Net income | 88,000 | 305,000 | 664,000 | 874,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,140,000 | 12,357,000 | 12,716,000 | 12,887,000 |
| Total capital | 14,918,000 | 13,222,000 | 13,701,000 | 13,876,000 |
| Risk-weighted assets | 78,686,000 | 83,748,000 | 82,131,000 | 85,486,000 |