Call reports 2005
VALLEY BANK OF HELENA, THE — 2005
What VALLEY BANK OF HELENA, THE reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 241,532,000 | 247,752,000 | 251,187,000 | 254,438,000 |
| Total loans | 128,626,000 | 134,121,000 | 145,753,000 | 153,306,000 |
| Allowance for loan losses | 1,827,000 | 1,958,000 | 2,095,000 | 2,101,000 |
| Securities available for sale | 97,068,000 | 94,307,000 | 87,426,000 | 81,139,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 152,618,000 | 159,222,000 | 176,242,000 | 174,059,000 |
| Interest-bearing deposits | 118,998,000 | 121,078,000 | 134,555,000 | 132,008,000 |
| Noninterest-bearing deposits | 33,620,000 | 38,144,000 | 41,686,000 | 42,051,000 |
| Equity capital | 19,987,000 | 21,263,000 | 21,518,000 | 21,810,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 3,125,000 | 6,370,000 | 9,658,000 | 13,069,000 |
| Interest expense | 783,000 | 1,597,000 | 2,502,000 | 3,471,000 |
| Net interest income | 2,342,000 | 4,773,000 | 7,156,000 | 9,598,000 |
| Noninterest income | 655,000 | 1,526,000 | 2,341,000 | 3,218,000 |
| Noninterest expense | 1,492,000 | 3,172,000 | 4,872,000 | 6,702,000 |
| Provision for loan losses | 105,000 | 240,000 | 375,000 | 375,000 |
| Pretax income | 1,400,000 | 2,891,000 | 4,254,000 | 5,743,000 |
| Income tax | 431,000 | 897,000 | 1,316,000 | 1,783,000 |
| Net income | 969,000 | 1,994,000 | 2,938,000 | 3,960,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,157,000 | 18,693,000 | 19,149,000 | 19,682,000 |
| Total capital | 19,984,000 | 20,630,000 | 21,209,000 | 21,783,000 |
| Risk-weighted assets | 148,880,000 | 154,980,000 | 164,796,000 | 170,299,000 |