Call reports 2009
KAW VALLEY BANK — 2009
What KAW VALLEY BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 459,113,000 | 448,419,000 | 460,459,000 | 451,878,000 |
| Total loans | 305,278,000 | 316,474,000 | 324,355,000 | 327,574,000 |
| Allowance for loan losses | 4,919,000 | 4,775,000 | 4,952,000 | 4,884,000 |
| Securities available for sale | 89,665,000 | 78,957,000 | 93,228,000 | 84,535,000 |
| Securities held to maturity | 2,768,000 | 2,716,000 | 2,583,000 | 2,678,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 377,228,000 | 371,813,000 | 384,220,000 | 375,657,000 |
| Interest-bearing deposits | 328,220,000 | 322,820,000 | 343,914,000 | 335,772,000 |
| Noninterest-bearing deposits | 49,008,000 | 48,994,000 | 40,306,000 | 39,885,000 |
| Equity capital | 42,364,000 | 41,909,000 | 42,851,000 | 42,875,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 5,946,000 | 11,809,000 | 17,699,000 | 23,793,000 |
| Interest expense | 3,097,000 | 6,198,000 | 9,262,000 | 12,106,000 |
| Net interest income | 2,849,000 | 5,611,000 | 8,437,000 | 11,687,000 |
| Noninterest income | 309,000 | 626,000 | 814,000 | 1,173,000 |
| Noninterest expense | 2,122,000 | 4,209,000 | 6,422,000 | 8,574,000 |
| Provision for loan losses | 600,000 | 1,200,000 | 1,800,000 | 2,300,000 |
| Pretax income | 588,000 | 1,179,000 | 1,457,000 | 2,577,000 |
| Income tax | 121,000 | 220,000 | 218,000 | 550,000 |
| Net income | 467,000 | 959,000 | 1,239,000 | 2,027,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 42,036,000 | 42,352,000 | 42,457,000 | 42,896,000 |
| Total capital | 46,340,000 | 46,885,000 | 46,964,000 | 47,457,000 |
| Risk-weighted assets | 342,953,000 | 361,674,000 | 360,174,000 | 363,801,000 |