Call reports 2004
KAW VALLEY BANK — 2004
What KAW VALLEY 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 | 366,463,000 | 355,804,000 | 360,768,000 | 371,995,000 |
| Total loans | 204,243,000 | 206,393,000 | 206,862,000 | 206,632,000 |
| Allowance for loan losses | 2,613,000 | 2,820,000 | 3,024,000 | 3,268,000 |
| Securities available for sale | 114,305,000 | 128,286,000 | 121,218,000 | 139,387,000 |
| Securities held to maturity | 2,935,000 | 2,899,000 | 2,857,000 | 2,820,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 289,055,000 | 277,317,000 | 288,204,000 | 299,857,000 |
| Interest-bearing deposits | 240,606,000 | 245,130,000 | 245,323,000 | 266,899,000 |
| Noninterest-bearing deposits | 48,449,000 | 32,187,000 | 42,881,000 | 32,958,000 |
| Equity capital | 33,746,000 | 31,863,000 | 33,399,000 | 33,218,000 |
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 | 4,420,000 | 8,785,000 | 13,288,000 | 17,954,000 |
| Interest expense | 1,933,000 | 3,908,000 | 5,873,000 | 8,020,000 |
| Net interest income | 2,487,000 | 4,877,000 | 7,415,000 | 9,934,000 |
| Noninterest income | 322,000 | 689,000 | 1,098,000 | 1,676,000 |
| Noninterest expense | 1,705,000 | 3,452,000 | 5,271,000 | 6,917,000 |
| Provision for loan losses | 240,000 | 480,000 | 720,000 | 1,040,000 |
| Pretax income | 1,235,000 | 2,070,000 | 2,963,000 | 4,045,000 |
| Income tax | 350,000 | 622,000 | 938,000 | 1,282,000 |
| Net income | 885,000 | 1,448,000 | 2,025,000 | 2,763,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,644,000 | 33,033,000 | 33,437,000 | 33,826,000 |
| Total capital | 35,257,000 | 35,853,000 | 36,333,000 | 36,812,000 |
| Risk-weighted assets | 232,979,000 | 233,171,000 | 231,587,000 | 238,574,000 |