Call reports 2025
VALLEY BANK OF KALISPELL — 2025
What VALLEY BANK OF KALISPELL reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 195,329,000 | 207,221,000 | 207,716,000 | 205,642,000 |
| Total loans | 136,059,000 | 141,869,000 | 141,501,000 | 145,732,000 |
| Allowance for loan losses | 2,098,000 | 2,090,000 | 2,122,000 | 2,123,000 |
| Securities available for sale | 50,185,000 | 51,460,000 | 52,061,000 | 51,126,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 179,136,000 | 189,907,000 | 189,135,000 | 186,308,000 |
| Interest-bearing deposits | 130,527,000 | 141,602,000 | 137,554,000 | 136,139,000 |
| Noninterest-bearing deposits | 48,609,000 | 48,305,000 | 51,581,000 | 50,169,000 |
| Equity capital | 15,190,000 | 16,343,000 | 17,469,000 | 18,326,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 2,784,000 | 5,708,000 | 8,749,000 | 11,934,000 |
| Interest expense | 996,000 | 2,004,000 | 3,025,000 | 4,041,000 |
| Net interest income | 1,788,000 | 3,704,000 | 5,724,000 | 7,893,000 |
| Noninterest income | 207,000 | 455,000 | 683,000 | 1,953,000 |
| Noninterest expense | 1,350,000 | 2,714,000 | 4,012,000 | 5,262,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 631,000 | 1,431,000 | 2,381,000 | 3,528,000 |
| Income tax | 159,000 | 363,000 | 606,000 | 898,000 |
| Net income | 472,000 | 1,068,000 | 1,775,000 | 2,630,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,957,000 | 19,553,000 | 20,261,000 | 20,030,000 |