Call reports 2010
KAW VALLEY BANK — 2010
What KAW VALLEY BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 482,583,000 | 487,819,000 | 496,990,000 | 492,764,000 |
| Total loans | 328,781,000 | 340,242,000 | 339,036,000 | 350,436,000 |
| Allowance for loan losses | 5,411,000 | 5,853,000 | 5,918,000 | 6,058,000 |
| Securities available for sale | 87,752,000 | 93,217,000 | 84,824,000 | 103,020,000 |
| Securities held to maturity | 2,622,000 | 2,566,000 | 2,405,000 | 2,346,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 404,346,000 | 407,395,000 | 414,158,000 | 414,909,000 |
| Interest-bearing deposits | 357,515,000 | 367,782,000 | 366,349,000 | 370,436,000 |
| Noninterest-bearing deposits | 46,831,000 | 39,613,000 | 47,809,000 | 44,473,000 |
| Equity capital | 43,695,000 | 44,906,000 | 46,240,000 | 45,427,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 5,957,000 | 12,001,000 | 18,110,000 | 24,173,000 |
| Interest expense | 2,673,000 | 5,232,000 | 7,762,000 | 10,208,000 |
| Net interest income | 3,284,000 | 6,769,000 | 10,348,000 | 13,965,000 |
| Noninterest income | 69,000 | 509,000 | 944,000 | 1,352,000 |
| Noninterest expense | 2,214,000 | 4,444,000 | 6,582,000 | 8,664,000 |
| Provision for loan losses | 600,000 | 1,200,000 | 1,800,000 | 2,400,000 |
| Pretax income | 722,000 | 1,860,000 | 3,760,000 | 5,186,000 |
| Income tax | 37,000 | 388,000 | 947,000 | 1,437,000 |
| Net income | 685,000 | 1,472,000 | 2,813,000 | 3,749,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 43,406,000 | 44,018,000 | 45,184,000 | 45,771,000 |
| Total capital | 47,906,000 | 48,610,000 | 49,653,000 | 50,436,000 |
| Risk-weighted assets | 359,092,000 | 366,115,000 | 356,366,000 | 371,802,000 |