Call reports 2008
KCB BANK — 2008
What KCB BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 164,445,000 | 155,790,000 | 141,206,000 | 141,467,000 |
| Total loans | 113,843,000 | 109,264,000 | 97,505,000 | 91,988,000 |
| Allowance for loan losses | 2,460,000 | 2,888,000 | 2,884,000 | 2,979,000 |
| Securities available for sale | 35,040,000 | 32,240,000 | 30,073,000 | 32,694,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 132,378,000 | 118,282,000 | 109,303,000 | 108,357,000 |
| Interest-bearing deposits | 114,953,000 | 103,777,000 | 95,324,000 | 83,154,000 |
| Noninterest-bearing deposits | 17,425,000 | 14,505,000 | 13,979,000 | 25,203,000 |
| Equity capital | 13,566,000 | 13,376,000 | 13,459,000 | 14,407,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 2,728,000 | 5,220,000 | 7,588,000 | 9,674,000 |
| Interest expense | 1,357,000 | 2,472,000 | 3,396,000 | 4,180,000 |
| Net interest income | 1,371,000 | 2,748,000 | 4,192,000 | 5,494,000 |
| Noninterest income | -150,000 | -30,000 | 71,000 | 288,000 |
| Noninterest expense | 1,468,000 | 2,859,000 | 4,200,000 | 5,350,000 |
| Provision for loan losses | 1,230,000 | 2,314,000 | 2,484,000 | 2,655,000 |
| Pretax income | -1,458,000 | -2,385,000 | -2,351,000 | -2,153,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -1,458,000 | -2,385,000 | -2,351,000 | -2,153,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,284,000 | 13,057,000 | 13,091,000 | 13,289,000 |
| Total capital | 13,792,000 | 14,486,000 | 14,355,000 | 14,507,000 |
| Risk-weighted assets | 119,690,000 | 112,877,000 | 99,494,000 | 95,707,000 |
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