Call reports 2004
KAW VALLEY STATE BANK — 2004
What KAW VALLEY STATE BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 35,307,000 | 35,061,000 | 34,501,000 | 36,428,000 |
| Total loans | 18,956,000 | 19,373,000 | 19,509,000 | 20,115,000 |
| Allowance for loan losses | 221,000 | 237,000 | 224,000 | 246,000 |
| Securities available for sale | 14,077,000 | 13,290,000 | 12,741,000 | 12,603,000 |
| Securities held to maturity | 650,000 | 650,000 | 650,000 | 550,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 32,371,000 | 32,376,000 | 31,710,000 | 33,726,000 |
| Interest-bearing deposits | 27,988,000 | 27,797,000 | 27,031,000 | 28,372,000 |
| Noninterest-bearing deposits | 4,383,000 | 4,579,000 | 4,679,000 | 5,354,000 |
| Equity capital | 2,838,000 | 2,570,000 | 2,645,000 | 2,568,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 520,000 | 1,023,000 | 1,530,000 | 2,043,000 |
| Interest expense | 94,000 | 173,000 | 253,000 | 332,000 |
| Net interest income | 426,000 | 850,000 | 1,277,000 | 1,711,000 |
| Noninterest income | 89,000 | 183,000 | 282,000 | 372,000 |
| Noninterest expense | 347,000 | 704,000 | 1,052,000 | 1,412,000 |
| Provision for loan losses | 26,000 | 41,000 | 66,000 | 91,000 |
| Pretax income | 142,000 | 290,000 | 437,000 | 577,000 |
| Income tax | 4,000 | 11,000 | 17,000 | 23,000 |
| Net income | 138,000 | 279,000 | 420,000 | 554,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,649,000 | 2,648,000 | 2,647,000 | 2,647,000 |
| Total capital | 2,870,000 | 2,885,000 | 2,871,000 | 2,893,000 |
| Risk-weighted assets | 21,194,000 | 21,441,000 | 21,242,000 | 21,996,000 |
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