Call reports 2003
KAW VALLEY STATE BANK — 2003
What KAW VALLEY STATE BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 40,554,000 | 38,965,000 | 37,874,000 | 36,447,000 |
| Total loans | 19,562,000 | 20,307,000 | 20,237,000 | 20,880,000 |
| Allowance for loan losses | 273,000 | 255,000 | 230,000 | 251,000 |
| Securities available for sale | 17,996,000 | 15,709,000 | 15,518,000 | 13,468,000 |
| Securities held to maturity | 750,000 | 750,000 | 750,000 | 650,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 37,507,000 | 35,883,000 | 34,905,000 | 33,501,000 |
| Interest-bearing deposits | 32,072,000 | 30,601,000 | 29,909,000 | 29,142,000 |
| Noninterest-bearing deposits | 5,435,000 | 5,282,000 | 4,996,000 | 4,359,000 |
| Equity capital | 2,916,000 | 2,931,000 | 2,805,000 | 2,795,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 591,000 | 1,170,000 | 1,730,000 | 2,284,000 |
| Interest expense | 140,000 | 263,000 | 380,000 | 483,000 |
| Net interest income | 451,000 | 907,000 | 1,350,000 | 1,801,000 |
| Noninterest income | 83,000 | 180,000 | 287,000 | 384,000 |
| Noninterest expense | 334,000 | 674,000 | 1,014,000 | 1,365,000 |
| Provision for loan losses | 15,000 | 35,000 | 65,000 | 95,000 |
| Pretax income | 188,000 | 383,000 | 565,000 | 733,000 |
| Income tax | 3,000 | 12,000 | 20,000 | 27,000 |
| Net income | 185,000 | 371,000 | 545,000 | 706,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,619,000 | 2,621,000 | 2,619,000 | 2,674,000 |
| Total capital | 2,892,000 | 2,876,000 | 2,849,000 | 2,925,000 |
| Risk-weighted assets | 22,551,000 | 22,621,000 | 22,554,000 | 22,896,000 |
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