Call reports 2023
VALLEY BANK OF KALISPELL — 2023
What VALLEY BANK OF KALISPELL reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 184,460,000 | 184,813,000 | 196,489,000 | 191,267,000 |
| Total loans | 125,313,000 | 127,823,000 | 130,586,000 | 127,908,000 |
| Allowance for loan losses | 2,043,000 | 2,047,000 | 2,040,000 | 2,130,000 |
| Securities available for sale | 53,053,000 | 51,271,000 | 50,439,000 | 55,050,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 162,348,000 | 167,020,000 | 183,844,000 | 175,785,000 |
| Interest-bearing deposits | 98,797,000 | 105,078,000 | 120,643,000 | 118,614,000 |
| Noninterest-bearing deposits | 63,551,000 | 61,942,000 | 63,201,000 | 57,171,000 |
| Equity capital | 12,606,000 | 12,750,000 | 11,916,000 | 14,690,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 1,985,000 | 4,114,000 | 6,478,000 | 9,255,000 |
| Interest expense | 321,000 | 881,000 | 1,590,000 | 2,428,000 |
| Net interest income | 1,664,000 | 3,233,000 | 4,888,000 | 6,827,000 |
| Noninterest income | 226,000 | 539,000 | 783,000 | 1,026,000 |
| Noninterest expense | 1,155,000 | 2,524,000 | 3,627,000 | 4,849,000 |
| Provision for loan losses | 128,000 | 128,000 | 128,000 | 128,000 |
| Pretax income | 620,000 | 1,120,000 | 1,916,000 | 2,876,000 |
| Income tax | 180,000 | 273,000 | 472,000 | 723,000 |
| Net income | 440,000 | 847,000 | 1,444,000 | 2,153,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,433,000 | 17,840,000 | 18,160,000 | 18,869,000 |