Call reports 2007
KCB BANK — 2007
What KCB BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 147,466,000 | 153,805,000 | 162,273,000 | 167,094,000 |
| Total loans | 112,191,000 | 112,137,000 | 114,362,000 | 116,621,000 |
| Allowance for loan losses | 964,000 | 1,105,000 | 1,147,000 | 1,417,000 |
| Securities available for sale | 15,709,000 | 22,629,000 | 29,894,000 | 32,119,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 5,938,000 | 1,902,000 | 499,000 | 0 |
| Total deposits | 116,412,000 | 125,671,000 | 133,806,000 | 129,766,000 |
| Interest-bearing deposits | 102,358,000 | 112,293,000 | 120,327,000 | 114,053,000 |
| Noninterest-bearing deposits | 14,054,000 | 13,378,000 | 13,479,000 | 15,713,000 |
| Equity capital | 10,990,000 | 10,800,000 | 13,012,000 | 13,575,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 2,627,000 | 5,355,000 | 8,185,000 | 11,018,000 |
| Interest expense | 1,287,000 | 2,638,000 | 4,148,000 | 5,615,000 |
| Net interest income | 1,340,000 | 2,717,000 | 4,037,000 | 5,403,000 |
| Noninterest income | 196,000 | 417,000 | 610,000 | 712,000 |
| Noninterest expense | 1,316,000 | 2,493,000 | 3,713,000 | 5,203,000 |
| Provision for loan losses | 150,000 | 375,000 | 1,025,000 | 1,478,000 |
| Pretax income | 70,000 | 248,000 | -109,000 | -584,000 |
| Income tax | -23,000 | -23,000 | -23,000 | -23,000 |
| Net income | 93,000 | 271,000 | -86,000 | -561,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,877,000 | 11,073,000 | 12,718,000 | 12,742,000 |
| Total capital | 11,841,000 | 12,178,000 | 13,865,000 | 14,159,000 |
| Risk-weighted assets | 114,423,000 | 118,767,000 | 122,374,000 | 124,481,000 |
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