Call reports 2016
KISH BANK — 2016
What KISH 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 | 716,027,000 | 708,486,000 | 726,499,000 | 722,905,000 |
| Total loans | 457,665,000 | 469,409,000 | 481,901,000 | 495,627,000 |
| Allowance for loan losses | 5,849,000 | 5,986,000 | 6,180,000 | 6,011,000 |
| Securities available for sale | 183,287,000 | 166,262,000 | 169,562,000 | 160,275,000 |
| Securities held to maturity | 5,000,000 | 6,000,000 | 6,000,000 | 6,000,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 559,083,000 | 559,471,000 | 566,880,000 | 563,317,000 |
| Interest-bearing deposits | 489,445,000 | 484,280,000 | 488,964,000 | 488,459,000 |
| Noninterest-bearing deposits | 69,638,000 | 75,190,000 | 77,915,000 | 74,858,000 |
| Equity capital | 67,258,000 | 68,604,000 | 69,081,000 | 67,278,000 |
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 | 6,319,000 | 12,740,000 | 19,296,000 | 26,002,000 |
| Interest expense | 1,106,000 | 2,223,000 | 3,332,000 | 4,455,000 |
| Net interest income | 5,213,000 | 10,517,000 | 15,964,000 | 21,547,000 |
| Noninterest income | 1,412,000 | 2,903,000 | 4,492,000 | 6,046,000 |
| Noninterest expense | 5,211,000 | 10,635,000 | 16,159,000 | 21,667,000 |
| Provision for loan losses | 100,000 | 240,000 | 420,000 | 530,000 |
| Pretax income | 1,411,000 | 2,870,000 | 4,400,000 | 6,169,000 |
| Income tax | 190,000 | 391,000 | 603,000 | 935,000 |
| Net income | 1,221,000 | 2,479,000 | 3,797,000 | 5,234,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 63,288,000 | 63,896,000 | 64,565,000 | 65,351,000 |
| Total capital | 69,374,000 | 70,179,000 | 71,156,000 | 72,160,000 |
| Risk-weighted assets | 569,473,000 | 564,071,000 | 573,895,000 | 568,989,000 |