Call reports 2003
VALLEY BANK OF HELENA, THE — 2003
What VALLEY BANK OF HELENA, THE 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 | 187,375,000 | 200,035,000 | 219,388,000 | 219,105,000 |
| Total loans | 89,156,000 | 95,226,000 | 100,449,000 | 98,776,000 |
| Allowance for loan losses | 1,369,000 | 1,524,000 | 1,374,000 | 1,484,000 |
| Securities available for sale | 81,641,000 | 89,841,000 | 103,314,000 | 104,316,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 131,818,000 | 133,331,000 | 134,177,000 | 134,405,000 |
| Interest-bearing deposits | 109,754,000 | 110,362,000 | 110,134,000 | 112,633,000 |
| Noninterest-bearing deposits | 22,064,000 | 22,969,000 | 24,043,000 | 21,772,000 |
| Equity capital | 17,271,000 | 18,263,000 | 17,500,000 | 18,176,000 |
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 | 2,617,000 | 5,261,000 | 7,954,000 | 10,720,000 |
| Interest expense | 722,000 | 1,398,000 | 2,046,000 | 2,665,000 |
| Net interest income | 1,895,000 | 3,863,000 | 5,908,000 | 8,055,000 |
| Noninterest income | 625,000 | 1,366,000 | 2,066,000 | 2,603,000 |
| Noninterest expense | 1,284,000 | 2,699,000 | 4,094,000 | 5,395,000 |
| Provision for loan losses | 180,000 | 360,000 | 495,000 | 630,000 |
| Pretax income | 1,060,000 | 2,931,000 | 4,151,000 | 5,399,000 |
| Income tax | 347,000 | 1,014,000 | 1,390,000 | 1,754,000 |
| Net income | 713,000 | 1,917,000 | 2,761,000 | 3,645,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,558,000 | 15,102,000 | 15,464,000 | 15,866,000 |
| Total capital | 14,927,000 | 16,518,000 | 16,838,000 | 17,350,000 |
| Risk-weighted assets | 115,004,000 | 113,181,000 | 124,053,000 | 119,725,000 |