Call reports 2005
KAW VALLEY STATE BANK — 2005
What KAW VALLEY STATE BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 34,857,000 | 35,501,000 | 34,582,000 | 35,361,000 |
| Total loans | 20,633,000 | 21,285,000 | 21,032,000 | 21,711,000 |
| Allowance for loan losses | 270,000 | 283,000 | 281,000 | 254,000 |
| Securities available for sale | 12,289,000 | 11,350,000 | 11,349,000 | 11,090,000 |
| Securities held to maturity | 550,000 | 550,000 | 550,000 | 385,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 32,279,000 | 32,792,000 | 31,894,000 | 32,706,000 |
| Interest-bearing deposits | 27,024,000 | 27,476,000 | 26,516,000 | 26,992,000 |
| Noninterest-bearing deposits | 5,255,000 | 5,316,000 | 5,378,000 | 5,714,000 |
| Equity capital | 2,476,000 | 2,576,000 | 2,518,000 | 2,496,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 518,000 | 1,034,000 | 1,558,000 | 2,094,000 |
| Interest expense | 82,000 | 172,000 | 277,000 | 389,000 |
| Net interest income | 436,000 | 862,000 | 1,281,000 | 1,705,000 |
| Noninterest income | 86,000 | 174,000 | 273,000 | 364,000 |
| Noninterest expense | 329,000 | 685,000 | 1,049,000 | 1,398,000 |
| Provision for loan losses | 18,000 | 34,000 | 48,000 | 63,000 |
| Pretax income | 175,000 | 308,000 | 448,000 | 600,000 |
| Income tax | 7,000 | 13,000 | 19,000 | 26,000 |
| Net income | 168,000 | 295,000 | 429,000 | 574,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,670,000 | 2,661,000 | 2,673,000 | 2,671,000 |
| Total capital | 2,940,000 | 2,944,000 | 2,948,000 | 2,925,000 |
| Risk-weighted assets | 22,122,000 | 22,829,000 | 21,995,000 | 22,736,000 |
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