Call reports 2013
KAW VALLEY BANK — 2013
What KAW VALLEY BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 382,514,000 | 374,002,000 | 366,743,000 | 363,523,000 |
| Total loans | 240,746,000 | 244,419,000 | 243,067,000 | 249,556,000 |
| Allowance for loan losses | 8,188,000 | 8,414,000 | 7,794,000 | 8,454,000 |
| Securities available for sale | 97,028,000 | 78,666,000 | 73,313,000 | 73,731,000 |
| Securities held to maturity | 1,546,000 | 1,443,000 | 1,288,000 | 1,215,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 320,185,000 | 316,892,000 | 309,743,000 | 307,564,000 |
| Interest-bearing deposits | 269,374,000 | 264,475,000 | 258,460,000 | 252,901,000 |
| Noninterest-bearing deposits | 50,811,000 | 52,417,000 | 51,283,000 | 54,663,000 |
| Equity capital | 40,072,000 | 38,750,000 | 37,193,000 | 36,598,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 3,628,000 | 7,215,000 | 10,768,000 | 14,370,000 |
| Interest expense | 1,230,000 | 2,344,000 | 3,403,000 | 4,423,000 |
| Net interest income | 2,398,000 | 4,871,000 | 7,365,000 | 9,947,000 |
| Noninterest income | 563,000 | 1,326,000 | 1,821,000 | 2,385,000 |
| Noninterest expense | 2,893,000 | 5,750,000 | 8,600,000 | 11,624,000 |
| Provision for loan losses | 1,200,000 | 1,700,000 | 2,650,000 | 3,475,000 |
| Pretax income | -1,124,000 | -1,029,000 | -1,837,000 | -2,535,000 |
| Income tax | -207,000 | -431,000 | -126,000 | -409,000 |
| Net income | -917,000 | -598,000 | -1,711,000 | -2,126,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,671,000 | 32,360,000 | 31,552,000 | 30,854,000 |
| Total capital | 35,914,000 | 35,673,000 | 34,797,000 | 34,120,000 |
| Risk-weighted assets | 254,424,000 | 260,000,000 | 255,063,000 | 256,172,000 |