Call reports 2008
VALLEY BANK OF HELENA, THE — 2008
What VALLEY BANK OF HELENA, THE reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 284,964,000 | 286,451,000 | 342,592,000 | 298,378,000 |
| Total loans | 200,825,000 | 202,312,000 | 200,437,000 | 199,842,000 |
| Allowance for loan losses | 3,015,000 | 3,106,000 | 3,189,000 | 3,580,000 |
| Securities available for sale | 56,848,000 | 65,177,000 | 71,594,000 | 79,630,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 186,915,000 | 187,694,000 | 185,182,000 | 185,505,000 |
| Interest-bearing deposits | 135,281,000 | 137,040,000 | 134,284,000 | 136,289,000 |
| Noninterest-bearing deposits | 51,635,000 | 50,654,000 | 50,898,000 | 49,216,000 |
| Equity capital | 28,405,000 | 29,051,000 | 29,633,000 | 31,483,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 4,440,000 | 8,881,000 | 13,440,000 | 17,863,000 |
| Interest expense | 1,427,000 | 2,623,000 | 3,839,000 | 4,793,000 |
| Net interest income | 3,013,000 | 6,258,000 | 9,601,000 | 13,070,000 |
| Noninterest income | 962,000 | 2,122,000 | 3,121,000 | 4,083,000 |
| Noninterest expense | 2,070,000 | 4,230,000 | 6,382,000 | 8,573,000 |
| Provision for loan losses | 120,000 | 240,000 | 360,000 | 810,000 |
| Pretax income | 1,785,000 | 3,910,000 | 5,980,000 | 7,770,000 |
| Income tax | 535,000 | 1,199,000 | 1,737,000 | 2,251,000 |
| Net income | 1,250,000 | 2,711,000 | 4,243,000 | 5,519,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,799,000 | 26,822,000 | 27,937,000 | 29,269,000 |
| Total capital | 28,568,000 | 29,605,000 | 30,754,000 | 31,959,000 |
| Risk-weighted assets | 221,282,000 | 222,342,000 | 224,994,000 | 214,350,000 |