Call reports 2009
KAW VALLEY STATE BANK — 2009
What KAW VALLEY STATE BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 37,649,000 | 36,006,000 | 35,346,000 | 35,686,000 |
| Total loans | 18,975,000 | 17,918,000 | 17,173,000 | 16,506,000 |
| Allowance for loan losses | 641,000 | 781,000 | 496,000 | 309,000 |
| Securities available for sale | 14,169,000 | 14,481,000 | 15,889,000 | 15,186,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 34,301,000 | 32,694,000 | 31,959,000 | 32,329,000 |
| Interest-bearing deposits | 28,683,000 | 27,753,000 | 26,483,000 | 26,946,000 |
| Noninterest-bearing deposits | 5,618,000 | 4,941,000 | 5,476,000 | 5,383,000 |
| Equity capital | 3,235,000 | 3,209,000 | 3,259,000 | 3,237,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 514,000 | 980,000 | 1,443,000 | 1,874,000 |
| Interest expense | 104,000 | 195,000 | 280,000 | 354,000 |
| Net interest income | 410,000 | 785,000 | 1,163,000 | 1,520,000 |
| Noninterest income | 79,000 | 166,000 | 264,000 | 357,000 |
| Noninterest expense | 394,000 | 832,000 | 1,260,000 | 1,664,000 |
| Provision for loan losses | 218,000 | 468,000 | 468,000 | 468,000 |
| Pretax income | 139,000 | -86,000 | -38,000 | 9,000 |
| Income tax | 1,000 | -1,000 | 0 | 2,000 |
| Net income | 138,000 | -85,000 | -39,000 | 7,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,957,000 | 2,933,000 | 2,980,000 | 3,026,000 |
| Total capital | 3,227,000 | 3,192,000 | 3,227,000 | 3,271,000 |
| Risk-weighted assets | 21,258,000 | 20,191,000 | 19,536,000 | 19,565,000 |