Call reports 2012
KAW VALLEY BANK — 2012
What KAW VALLEY BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 426,037,000 | 417,785,000 | 408,634,000 | 396,826,000 |
| Total loans | 271,829,000 | 274,143,000 | 257,452,000 | 245,789,000 |
| Allowance for loan losses | 8,621,000 | 12,626,000 | 9,088,000 | 7,695,000 |
| Securities available for sale | 95,886,000 | 93,562,000 | 86,997,000 | 94,580,000 |
| Securities held to maturity | 1,928,000 | 1,832,000 | 1,686,000 | 1,616,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 362,046,000 | 353,935,000 | 343,355,000 | 334,041,000 |
| Interest-bearing deposits | 314,577,000 | 301,175,000 | 293,870,000 | 285,632,000 |
| Noninterest-bearing deposits | 47,469,000 | 52,761,000 | 49,485,000 | 48,409,000 |
| Equity capital | 40,051,000 | 42,229,000 | 42,156,000 | 40,965,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 4,762,000 | 9,105,000 | 13,225,000 | 16,962,000 |
| Interest expense | 1,739,000 | 3,347,000 | 4,816,000 | 6,197,000 |
| Net interest income | 3,023,000 | 5,758,000 | 8,409,000 | 10,765,000 |
| Noninterest income | 297,000 | 135,000 | 747,000 | 1,302,000 |
| Noninterest expense | 3,153,000 | 6,152,000 | 9,454,000 | 12,749,000 |
| Provision for loan losses | 1,705,000 | 6,205,000 | 7,105,000 | 8,505,000 |
| Pretax income | -1,373,000 | -6,054,000 | -6,877,000 | -8,645,000 |
| Income tax | -585,000 | -2,390,000 | -2,836,000 | -3,597,000 |
| Net income | -788,000 | -3,664,000 | -4,041,000 | -5,048,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,157,000 | 36,614,000 | 35,594,000 | 33,722,000 |
| Total capital | 40,805,000 | 40,294,000 | 39,068,000 | 37,064,000 |
| Risk-weighted assets | 286,846,000 | 285,489,000 | 272,308,000 | 263,053,000 |