Call reports 2004
VALLEY BANK OF HELENA, THE — 2004
What VALLEY BANK OF HELENA, THE reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 220,461,000 | 230,625,000 | 233,223,000 | 241,520,000 |
| Total loans | 101,180,000 | 112,377,000 | 115,777,000 | 121,405,000 |
| Allowance for loan losses | 1,585,000 | 1,684,000 | 1,726,000 | 1,779,000 |
| Securities available for sale | 105,064,000 | 103,350,000 | 102,386,000 | 100,388,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 141,865,000 | 146,178,000 | 150,120,000 | 146,663,000 |
| Interest-bearing deposits | 117,337,000 | 115,437,000 | 119,839,000 | 117,337,000 |
| Noninterest-bearing deposits | 24,528,000 | 30,741,000 | 30,281,000 | 29,326,000 |
| Equity capital | 19,159,000 | 17,912,000 | 19,770,000 | 20,052,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 2,870,000 | 5,691,000 | 8,657,000 | 11,654,000 |
| Interest expense | 595,000 | 1,181,000 | 1,833,000 | 2,540,000 |
| Net interest income | 2,275,000 | 4,510,000 | 6,824,000 | 9,114,000 |
| Noninterest income | 520,000 | 1,174,000 | 1,885,000 | 2,601,000 |
| Noninterest expense | 1,392,000 | 2,826,000 | 4,370,000 | 5,946,000 |
| Provision for loan losses | 120,000 | 240,000 | 350,000 | 440,000 |
| Pretax income | 1,283,000 | 2,618,000 | 3,989,000 | 5,379,000 |
| Income tax | 385,000 | 788,000 | 1,211,000 | 1,632,000 |
| Net income | 898,000 | 1,830,000 | 2,778,000 | 3,747,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,281,000 | 16,728,000 | 17,190,000 | 17,674,000 |
| Total capital | 17,796,000 | 18,400,000 | 18,903,000 | 19,453,000 |
| Risk-weighted assets | 121,146,000 | 133,768,000 | 136,999,000 | 142,786,000 |