Call reports 2015
KAW VALLEY BANK — 2015
What KAW VALLEY BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 349,590,000 | 349,126,000 | 351,862,000 | 357,985,000 |
| Total loans | 237,323,000 | 242,591,000 | 247,433,000 | 252,918,000 |
| Allowance for loan losses | 9,028,000 | 8,937,000 | 8,948,000 | 8,044,000 |
| Securities available for sale | 80,185,000 | 76,039,000 | 78,495,000 | 78,484,000 |
| Securities held to maturity | 734,000 | 651,000 | 523,000 | 436,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 283,164,000 | 289,388,000 | 284,282,000 | 284,941,000 |
| Interest-bearing deposits | 223,058,000 | 230,895,000 | 226,770,000 | 225,959,000 |
| Noninterest-bearing deposits | 60,106,000 | 58,493,000 | 57,512,000 | 58,982,000 |
| Equity capital | 42,058,000 | 42,040,000 | 42,639,000 | 42,764,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 3,286,000 | 6,645,000 | 10,090,000 | 13,605,000 |
| Interest expense | 743,000 | 1,419,000 | 2,082,000 | 2,782,000 |
| Net interest income | 2,543,000 | 5,226,000 | 8,008,000 | 10,823,000 |
| Noninterest income | 1,645,000 | 2,594,000 | 3,189,000 | 2,982,000 |
| Noninterest expense | 3,013,000 | 5,900,000 | 8,883,000 | 11,814,000 |
| Provision for loan losses | 0 | 0 | 0 | -1,051,000 |
| Pretax income | 1,356,000 | 2,207,000 | 2,647,000 | 3,392,000 |
| Income tax | 411,000 | 678,000 | 886,000 | 1,093,000 |
| Net income | 945,000 | 1,529,000 | 1,761,000 | 2,299,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,122,000 | 37,983,000 | 38,407,000 | 39,181,000 |
| Total capital | 40,389,000 | 41,296,000 | 41,726,000 | 42,553,000 |
| Risk-weighted assets | 252,940,000 | 256,868,000 | 257,497,000 | 262,840,000 |