Call reports 2007
KAW VALLEY BANK — 2007
What KAW VALLEY BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 438,794,000 | 432,725,000 | 455,375,000 | 463,912,000 |
| Total loans | 253,415,000 | 249,443,000 | 242,691,000 | 253,917,000 |
| Allowance for loan losses | 3,529,000 | 3,822,000 | 4,190,000 | 4,389,000 |
| Securities available for sale | 135,444,000 | 155,283,000 | 172,179,000 | 162,408,000 |
| Securities held to maturity | 3,098,000 | 3,053,000 | 2,960,000 | 2,914,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 365,098,000 | 362,164,000 | 385,084,000 | 385,039,000 |
| Interest-bearing deposits | 330,369,000 | 326,661,000 | 349,489,000 | 346,222,000 |
| Noninterest-bearing deposits | 34,729,000 | 35,503,000 | 35,595,000 | 38,817,000 |
| Equity capital | 37,321,000 | 36,413,000 | 38,196,000 | 40,202,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 6,996,000 | 14,137,000 | 21,477,000 | 28,916,000 |
| Interest expense | 4,129,000 | 8,469,000 | 12,979,000 | 17,566,000 |
| Net interest income | 2,867,000 | 5,668,000 | 8,498,000 | 11,350,000 |
| Noninterest income | 363,000 | 731,000 | 1,062,000 | 1,696,000 |
| Noninterest expense | 1,931,000 | 3,870,000 | 5,793,000 | 7,535,000 |
| Provision for loan losses | 300,000 | 600,000 | 900,000 | 1,300,000 |
| Pretax income | 1,024,000 | 1,954,000 | 2,896,000 | 4,302,000 |
| Income tax | 127,000 | 364,000 | 598,000 | 906,000 |
| Net income | 897,000 | 1,590,000 | 2,298,000 | 3,396,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,965,000 | 38,485,000 | 39,021,000 | 39,771,000 |
| Total capital | 41,494,000 | 42,198,000 | 42,814,000 | 43,749,000 |
| Risk-weighted assets | 300,626,000 | 296,942,000 | 302,260,000 | 317,029,000 |