Call reports 2006
VALLEY BANK OF HELENA, THE — 2006
What VALLEY BANK OF HELENA, THE reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 258,165,000 | 262,582,000 | 285,130,000 | 269,380,000 |
| Total loans | 161,790,000 | 166,285,000 | 178,059,000 | 180,097,000 |
| Allowance for loan losses | 2,176,000 | 2,333,000 | 2,465,000 | 2,589,000 |
| Securities available for sale | 78,177,000 | 74,477,000 | 72,704,000 | 69,975,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 189,267,000 | 187,239,000 | 194,809,000 | 183,233,000 |
| Interest-bearing deposits | 145,655,000 | 137,741,000 | 144,002,000 | 132,282,000 |
| Noninterest-bearing deposits | 43,612,000 | 49,498,000 | 50,807,000 | 50,951,000 |
| Equity capital | 22,253,000 | 22,391,000 | 23,735,000 | 24,205,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 3,554,000 | 7,371,000 | 11,350,000 | 15,544,000 |
| Interest expense | 1,119,000 | 2,388,000 | 3,836,000 | 5,452,000 |
| Net interest income | 2,435,000 | 4,983,000 | 7,514,000 | 10,092,000 |
| Noninterest income | 789,000 | 1,703,000 | 2,670,000 | 3,590,000 |
| Noninterest expense | 1,762,000 | 3,598,000 | 5,597,000 | 7,544,000 |
| Provision for loan losses | 80,000 | 215,000 | 350,000 | 485,000 |
| Pretax income | 1,382,000 | 2,873,000 | 4,237,000 | 5,653,000 |
| Income tax | 376,000 | 798,000 | 1,186,000 | 1,625,000 |
| Net income | 1,006,000 | 2,075,000 | 3,051,000 | 4,028,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,200,000 | 20,779,000 | 21,394,000 | 21,852,000 |
| Total capital | 22,376,000 | 23,112,000 | 23,850,000 | 24,270,000 |
| Risk-weighted assets | 177,907,000 | 187,223,000 | 196,492,000 | 193,272,000 |