Call reports 2014
KAW VALLEY BANK — 2014
What KAW VALLEY BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 362,586,000 | 358,935,000 | 355,656,000 | 350,759,000 |
| Total loans | 245,434,000 | 247,946,000 | 239,143,000 | 236,290,000 |
| Allowance for loan losses | 8,826,000 | 9,270,000 | 8,972,000 | 8,921,000 |
| Securities available for sale | 85,144,000 | 85,593,000 | 89,195,000 | 81,696,000 |
| Securities held to maturity | 1,139,000 | 1,030,000 | 895,000 | 815,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 303,912,000 | 298,497,000 | 295,179,000 | 286,687,000 |
| Interest-bearing deposits | 250,447,000 | 244,738,000 | 239,364,000 | 232,593,000 |
| Noninterest-bearing deposits | 53,465,000 | 53,759,000 | 55,815,000 | 54,094,000 |
| Equity capital | 37,772,000 | 38,691,000 | 39,467,000 | 40,699,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 3,533,000 | 7,132,000 | 10,913,000 | 14,406,000 |
| Interest expense | 938,000 | 1,836,000 | 2,703,000 | 3,530,000 |
| Net interest income | 2,595,000 | 5,296,000 | 8,210,000 | 10,876,000 |
| Noninterest income | 662,000 | 1,396,000 | 2,005,000 | 2,837,000 |
| Noninterest expense | 2,592,000 | 5,285,000 | 8,007,000 | 11,002,000 |
| Provision for loan losses | 300,000 | 600,000 | 600,000 | 600,000 |
| Pretax income | 390,000 | 847,000 | 1,669,000 | 2,193,000 |
| Income tax | -212,000 | -146,000 | -115,000 | -304,000 |
| Net income | 602,000 | 993,000 | 1,784,000 | 2,497,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,243,000 | 31,702,000 | 32,523,000 | 33,048,000 |
| Total capital | 34,472,000 | 34,923,000 | 35,649,000 | 36,150,000 |
| Risk-weighted assets | 252,800,000 | 251,633,000 | 244,212,000 | 242,321,000 |