Call reports 2016
KAW VALLEY BANK — 2016
What KAW VALLEY BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 378,228,000 | 388,368,000 | 405,974,000 | 397,420,000 |
| Total loans | 269,032,000 | 277,243,000 | 279,886,000 | 281,859,000 |
| Allowance for loan losses | 8,081,000 | 8,132,000 | 8,119,000 | 8,202,000 |
| Securities available for sale | 79,581,000 | 86,023,000 | 96,212,000 | 96,472,000 |
| Securities held to maturity | 290,000 | 290,000 | 263,000 | 263,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 305,495,000 | 305,493,000 | 318,507,000 | 307,374,000 |
| Interest-bearing deposits | 240,914,000 | 242,252,000 | 249,678,000 | 243,738,000 |
| Noninterest-bearing deposits | 64,581,000 | 63,241,000 | 68,829,000 | 63,636,000 |
| Equity capital | 43,433,000 | 44,862,000 | 45,169,000 | 43,966,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 3,783,000 | 7,555,000 | 11,520,000 | 15,494,000 |
| Interest expense | 746,000 | 1,530,000 | 2,371,000 | 3,221,000 |
| Net interest income | 3,037,000 | 6,025,000 | 9,149,000 | 12,273,000 |
| Noninterest income | 687,000 | 1,381,000 | 1,854,000 | 2,232,000 |
| Noninterest expense | 3,105,000 | 5,836,000 | 8,330,000 | 10,757,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 628,000 | 1,594,000 | 2,867,000 | 3,944,000 |
| Income tax | 294,000 | 594,000 | 1,027,000 | 1,302,000 |
| Net income | 334,000 | 1,000,000 | 1,840,000 | 2,642,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,715,000 | 40,039,000 | 41,271,000 | 42,317,000 |
| Total capital | 43,234,000 | 43,654,000 | 44,922,000 | 45,945,000 |
| Risk-weighted assets | 274,750,000 | 282,298,000 | 285,437,000 | 283,752,000 |