Call reports 2008
KAW VALLEY STATE BANK — 2008
What KAW VALLEY STATE BANK 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 | 41,199,000 | 41,848,000 | 40,963,000 | 38,943,000 |
| Total loans | 20,867,000 | 21,175,000 | 20,785,000 | 19,524,000 |
| Allowance for loan losses | 260,000 | 272,000 | 585,000 | 456,000 |
| Securities available for sale | 16,146,000 | 16,894,000 | 17,368,000 | 18,025,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 37,772,000 | 38,684,000 | 37,704,000 | 34,425,000 |
| Interest-bearing deposits | 32,895,000 | 33,000,000 | 32,236,000 | 29,073,000 |
| Noninterest-bearing deposits | 4,877,000 | 5,684,000 | 5,468,000 | 5,352,000 |
| Equity capital | 3,218,000 | 2,929,000 | 3,011,000 | 3,466,000 |
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 | 641,000 | 1,284,000 | 1,922,000 | 2,478,000 |
| Interest expense | 198,000 | 381,000 | 557,000 | 719,000 |
| Net interest income | 443,000 | 903,000 | 1,365,000 | 1,759,000 |
| Noninterest income | 98,000 | 193,000 | 296,000 | 469,000 |
| Noninterest expense | 399,000 | 795,000 | 1,195,000 | 1,537,000 |
| Provision for loan losses | 19,000 | 34,000 | 644,000 | 794,000 |
| Pretax income | 123,000 | 267,000 | -178,000 | -103,000 |
| Income tax | 5,000 | 11,000 | 14,000 | -7,000 |
| Net income | 118,000 | 256,000 | -192,000 | -96,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,628,000 | 2,637,000 | 2,731,000 | 2,819,000 |
| Total capital | 2,888,000 | 2,909,000 | 3,027,000 | 3,097,000 |
| Risk-weighted assets | 23,611,000 | 24,161,000 | 23,408,000 | 22,036,000 |
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