Call reports 2025
KAW VALLEY BANK — 2025
What KAW VALLEY BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 319,515,000 | 311,321,000 | 310,314,000 | 322,348,000 |
| Total loans | 245,362,000 | 246,995,000 | 251,063,000 | 256,286,000 |
| Allowance for loan losses | 3,229,000 | 3,226,000 | 3,221,000 | 3,188,000 |
| Securities available for sale | 25,695,000 | 25,814,000 | 26,472,000 | 21,528,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 267,415,000 | 258,793,000 | 258,962,000 | 271,104,000 |
| Interest-bearing deposits | 163,282,000 | 167,889,000 | 165,611,000 | 177,019,000 |
| Noninterest-bearing deposits | 104,133,000 | 90,904,000 | 93,351,000 | 94,085,000 |
| Equity capital | 36,609,000 | 37,647,000 | 38,736,000 | 39,551,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 4,389,000 | 8,862,000 | 13,419,000 | 18,127,000 |
| Interest expense | 1,017,000 | 2,087,000 | 3,166,000 | 4,242,000 |
| Net interest income | 3,372,000 | 6,775,000 | 10,253,000 | 13,885,000 |
| Noninterest income | 417,000 | 832,000 | 1,255,000 | 1,664,000 |
| Noninterest expense | 2,475,000 | 5,098,000 | 7,723,000 | 10,205,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,314,000 | 2,509,000 | 3,785,000 | 5,344,000 |
| Income tax | 305,000 | 580,000 | 875,000 | 1,223,000 |
| Net income | 1,009,000 | 1,929,000 | 2,910,000 | 4,121,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,431,000 | 36,397,000 | 37,424,000 | 38,180,000 |