Call reports 2018
VALLEY BANK OF KALISPELL — 2018
What VALLEY BANK OF KALISPELL reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 110,734,000 | 118,594,000 | 118,426,000 | 120,085,000 |
| Total loans | 76,778,000 | 85,669,000 | 88,666,000 | 92,716,000 |
| Allowance for loan losses | 966,000 | 1,230,000 | 1,585,000 | 1,454,000 |
| Securities available for sale | 29,292,000 | 27,512,000 | 24,904,000 | 23,397,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 94,934,000 | 100,466,000 | 105,418,000 | 100,357,000 |
| Interest-bearing deposits | 62,400,000 | 63,559,000 | 65,781,000 | 64,154,000 |
| Noninterest-bearing deposits | 32,534,000 | 36,907,000 | 39,637,000 | 36,203,000 |
| Equity capital | 12,650,000 | 12,000,000 | 12,284,000 | 13,085,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 1,288,000 | 2,682,000 | 4,165,000 | 5,677,000 |
| Interest expense | 50,000 | 147,000 | 257,000 | 376,000 |
| Net interest income | 1,238,000 | 2,535,000 | 3,908,000 | 5,301,000 |
| Noninterest income | 106,000 | 236,000 | 357,000 | 877,000 |
| Noninterest expense | 1,046,000 | 1,976,000 | 2,887,000 | 4,022,000 |
| Provision for loan losses | 0 | 409,000 | 409,000 | 409,000 |
| Pretax income | 379,000 | 467,000 | 1,056,000 | 1,800,000 |
| Income tax | 82,000 | 62,000 | 241,000 | 431,000 |
| Net income | 297,000 | 405,000 | 815,000 | 1,369,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,210,000 | 12,543,000 | 12,953,000 | 13,507,000 |
| Total capital | 14,176,000 | 13,722,000 | 14,143,000 | 14,727,000 |
| Risk-weighted assets | 82,494,000 | 94,304,000 | 94,865,000 | 97,419,000 |