Call reports 2005
KAW VALLEY BANK — 2005
What KAW VALLEY 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 | 399,770,000 | 355,566,000 | 368,015,000 | 384,314,000 |
| Total loans | 208,171,000 | 216,692,000 | 222,876,000 | 235,602,000 |
| Allowance for loan losses | 3,500,000 | 3,375,000 | 3,054,000 | 2,980,000 |
| Securities available for sale | 135,944,000 | 109,734,000 | 119,856,000 | 116,969,000 |
| Securities held to maturity | 2,781,000 | 2,743,000 | 2,698,000 | 2,658,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 328,333,000 | 284,424,000 | 292,130,000 | 302,176,000 |
| Interest-bearing deposits | 261,868,000 | 246,347,000 | 242,550,000 | 262,590,000 |
| Noninterest-bearing deposits | 66,465,000 | 38,077,000 | 49,580,000 | 39,586,000 |
| Equity capital | 32,727,000 | 33,712,000 | 33,884,000 | 33,671,000 |
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 | 4,697,000 | 9,527,000 | 14,465,000 | 19,676,000 |
| Interest expense | 2,257,000 | 4,537,000 | 6,848,000 | 9,424,000 |
| Net interest income | 2,440,000 | 4,990,000 | 7,617,000 | 10,252,000 |
| Noninterest income | 344,000 | 707,000 | 1,090,000 | 1,647,000 |
| Noninterest expense | 1,804,000 | 3,570,000 | 5,454,000 | 7,165,000 |
| Provision for loan losses | 240,000 | 480,000 | 720,000 | 960,000 |
| Pretax income | 661,000 | 1,288,000 | 2,156,000 | 3,384,000 |
| Income tax | 131,000 | 349,000 | 641,000 | 1,038,000 |
| Net income | 530,000 | 939,000 | 1,515,000 | 2,346,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,184,000 | 34,420,000 | 34,823,000 | 35,305,000 |
| Total capital | 37,274,000 | 37,481,000 | 37,877,000 | 38,285,000 |
| Risk-weighted assets | 246,780,000 | 244,542,000 | 252,675,000 | 266,768,000 |