Call reports 2003
KAW VALLEY BANK — 2003
What KAW VALLEY 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 | 341,833,000 | 345,422,000 | 341,839,000 | 346,081,000 |
| Total loans | 201,560,000 | 205,838,000 | 190,327,000 | 199,825,000 |
| Allowance for loan losses | 2,966,000 | 3,118,000 | 3,038,000 | 2,605,000 |
| Securities available for sale | 123,720,000 | 110,041,000 | 130,606,000 | 118,156,000 |
| Securities held to maturity | 3,077,000 | 3,044,000 | 3,005,000 | 2,970,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 261,025,000 | 264,525,000 | 262,443,000 | 269,256,000 |
| Interest-bearing deposits | 231,457,000 | 234,393,000 | 231,064,000 | 237,237,000 |
| Noninterest-bearing deposits | 29,568,000 | 30,132,000 | 31,379,000 | 32,019,000 |
| Equity capital | 31,889,000 | 32,759,000 | 32,225,000 | 32,639,000 |
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 | 4,706,000 | 9,057,000 | 13,329,000 | 17,679,000 |
| Interest expense | 2,249,000 | 4,398,000 | 6,443,000 | 8,410,000 |
| Net interest income | 2,457,000 | 4,659,000 | 6,886,000 | 9,269,000 |
| Noninterest income | 285,000 | 584,000 | 904,000 | 1,373,000 |
| Noninterest expense | 1,622,000 | 3,301,000 | 4,958,000 | 6,436,000 |
| Provision for loan losses | 340,000 | 780,000 | 1,060,000 | 1,300,000 |
| Pretax income | 2,046,000 | 2,723,000 | 3,365,000 | 4,630,000 |
| Income tax | 652,000 | 874,000 | 1,032,000 | 1,389,000 |
| Net income | 1,394,000 | 1,849,000 | 2,333,000 | 3,241,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,674,000 | 30,991,000 | 31,197,000 | 31,931,000 |
| Total capital | 33,413,000 | 33,837,000 | 33,890,000 | 34,536,000 |
| Risk-weighted assets | 218,913,000 | 227,379,000 | 215,111,000 | 225,315,000 |