Call reports 2003
MOUNTAIN WEST BANK OF KALISPELL, NATIONAL ASSOCIATION — 2003
What MOUNTAIN WEST BANK OF KALISPELL, NATIONAL ASSOCIATION reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 62,448,000 | 61,440,000 | 62,822,000 | 63,152,000 |
| Total loans | 50,878,000 | 48,052,000 | 49,096,000 | 48,222,000 |
| Allowance for loan losses | 728,000 | 732,000 | 734,000 | 734,000 |
| Securities available for sale | 2,222,000 | 2,206,000 | 2,184,000 | 2,166,000 |
| Securities held to maturity | 2,062,000 | 2,058,000 | 2,053,000 | 2,300,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 51,707,000 | 52,709,000 | 52,094,000 | 48,494,000 |
| Interest-bearing deposits | 43,803,000 | 44,566,000 | 41,901,000 | 40,092,000 |
| Noninterest-bearing deposits | 7,904,000 | 8,143,000 | 10,193,000 | 8,402,000 |
| Equity capital | 5,900,000 | 5,965,000 | 6,109,000 | 6,199,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 989,000 | 1,998,000 | 2,934,000 | 3,875,000 |
| Interest expense | 332,000 | 636,000 | 902,000 | 1,154,000 |
| Net interest income | 657,000 | 1,362,000 | 2,032,000 | 2,721,000 |
| Noninterest income | 94,000 | 204,000 | 311,000 | 414,000 |
| Noninterest expense | 550,000 | 1,095,000 | 1,617,000 | 2,213,000 |
| Provision for loan losses | 33,000 | 33,000 | 33,000 | 33,000 |
| Pretax income | 168,000 | 438,000 | 693,000 | 889,000 |
| Income tax | 67,000 | 171,000 | 278,000 | 332,000 |
| Net income | 101,000 | 267,000 | 415,000 | 557,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,894,000 | 5,959,000 | 6,109,000 | 6,200,000 |
| Total capital | 6,557,000 | 6,591,000 | 6,766,000 | 6,861,000 |
| Risk-weighted assets | 53,050,000 | 50,485,000 | 52,490,000 | 52,812,000 |