Call reports 2019
VALLEY BANK OF KALISPELL — 2019
What VALLEY BANK OF KALISPELL reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 120,558,000 | 124,247,000 | 134,458,000 | 138,395,000 |
| Total loans | 95,794,000 | 101,244,000 | 104,365,000 | 105,175,000 |
| Allowance for loan losses | 1,408,000 | 1,467,000 | 1,558,000 | 2,153,000 |
| Securities available for sale | 21,105,000 | 18,387,000 | 17,676,000 | 18,343,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 102,544,000 | 103,044,000 | 120,083,000 | 124,279,000 |
| Interest-bearing deposits | 68,921,000 | 68,698,000 | 80,147,000 | 82,311,000 |
| Noninterest-bearing deposits | 33,623,000 | 34,346,000 | 39,936,000 | 41,968,000 |
| Equity capital | 14,119,000 | 13,598,000 | 14,040,000 | 13,982,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 1,569,000 | 3,230,000 | 4,989,000 | 6,798,000 |
| Interest expense | 171,000 | 400,000 | 614,000 | 839,000 |
| Net interest income | 1,398,000 | 2,830,000 | 4,375,000 | 5,959,000 |
| Noninterest income | 1,534,000 | 1,753,000 | 1,900,000 | 1,871,000 |
| Noninterest expense | 1,090,000 | 2,205,000 | 3,333,000 | 4,412,000 |
| Provision for loan losses | 0 | 75,000 | 150,000 | 743,000 |
| Pretax income | 1,844,000 | 2,306,000 | 2,795,000 | 2,678,000 |
| Income tax | 101,000 | 216,000 | 339,000 | 302,000 |
| Net income | 1,743,000 | 2,090,000 | 2,456,000 | 2,376,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,297,000 | 13,614,000 | 13,980,000 | 13,900,000 |
| Total capital | 15,562,000 | 14,953,000 | 15,328,000 | 15,236,000 |
| Risk-weighted assets | 101,068,000 | 107,068,000 | 107,674,000 | 106,073,000 |