Call reports 2007
VALLEY BANK OF HELENA, THE — 2007
What VALLEY BANK OF HELENA, THE reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 274,855,000 | 281,962,000 | 282,432,000 | 282,707,000 |
| Total loans | 187,143,000 | 195,009,000 | 197,305,000 | 198,580,000 |
| Allowance for loan losses | 2,732,000 | 2,826,000 | 2,908,000 | 2,898,000 |
| Securities available for sale | 66,846,000 | 62,784,000 | 60,638,000 | 58,716,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 196,633,000 | 190,060,000 | 192,989,000 | 187,657,000 |
| Interest-bearing deposits | 147,202,000 | 137,495,000 | 141,948,000 | 134,872,000 |
| Noninterest-bearing deposits | 49,431,000 | 52,565,000 | 51,041,000 | 52,785,000 |
| Equity capital | 24,972,000 | 25,294,000 | 26,391,000 | 27,323,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 4,196,000 | 8,686,000 | 13,259,000 | 17,806,000 |
| Interest expense | 1,607,000 | 3,340,000 | 5,106,000 | 6,751,000 |
| Net interest income | 2,589,000 | 5,346,000 | 8,153,000 | 11,055,000 |
| Noninterest income | 923,000 | 1,994,000 | 3,133,000 | 4,117,000 |
| Noninterest expense | 1,933,000 | 3,997,000 | 6,073,000 | 8,101,000 |
| Provision for loan losses | 135,000 | 270,000 | 360,000 | 405,000 |
| Pretax income | 1,444,000 | 3,073,000 | 4,853,000 | 6,666,000 |
| Income tax | 404,000 | 881,000 | 1,418,000 | 1,956,000 |
| Net income | 1,040,000 | 2,192,000 | 3,435,000 | 4,710,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,517,000 | 23,308,000 | 24,138,000 | 24,948,000 |
| Total capital | 25,021,000 | 25,910,000 | 26,783,000 | 27,621,000 |
| Risk-weighted assets | 200,083,000 | 207,951,000 | 211,340,000 | 213,618,000 |