Call reports 2006
KAW VALLEY BANK — 2006
What KAW VALLEY BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 417,719,000 | 403,891,000 | 430,011,000 | 427,155,000 |
| Total loans | 230,606,000 | 248,763,000 | 247,964,000 | 254,784,000 |
| Allowance for loan losses | 2,953,000 | 3,296,000 | 3,376,000 | 3,417,000 |
| Securities available for sale | 122,573,000 | 119,896,000 | 149,734,000 | 131,587,000 |
| Securities held to maturity | 2,616,000 | 2,575,000 | 3,186,000 | 3,142,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 337,008,000 | 328,927,000 | 351,918,000 | 351,101,000 |
| Interest-bearing deposits | 297,820,000 | 292,983,000 | 307,359,000 | 314,622,000 |
| Noninterest-bearing deposits | 39,188,000 | 35,944,000 | 44,559,000 | 36,479,000 |
| Equity capital | 34,008,000 | 33,804,000 | 35,892,000 | 36,634,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 5,596,000 | 12,080,000 | 18,861,000 | 25,861,000 |
| Interest expense | 2,966,000 | 6,424,000 | 10,308,000 | 14,356,000 |
| Net interest income | 2,630,000 | 5,656,000 | 8,553,000 | 11,505,000 |
| Noninterest income | 344,000 | 680,000 | 1,021,000 | 1,556,000 |
| Noninterest expense | 1,829,000 | 3,727,000 | 5,654,000 | 7,407,000 |
| Provision for loan losses | 280,000 | 680,000 | 980,000 | 1,280,000 |
| Pretax income | 648,000 | 1,675,000 | 2,712,000 | 4,288,000 |
| Income tax | 172,000 | 540,000 | 867,000 | 1,484,000 |
| Net income | 476,000 | 1,135,000 | 1,845,000 | 2,804,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,606,000 | 36,093,000 | 36,631,000 | 37,242,000 |
| Total capital | 38,559,000 | 39,389,000 | 40,007,000 | 40,659,000 |
| Risk-weighted assets | 271,389,000 | 285,404,000 | 288,949,000 | 297,780,000 |