Call reports 2005
KINGSLEY STATE BANK — 2005
What KINGSLEY STATE BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 99,126,000 | 97,906,000 | 97,053,000 | 101,381,000 |
| Total loans | 47,967,000 | 49,818,000 | 51,789,000 | 51,568,000 |
| Allowance for loan losses | 853,000 | 854,000 | 852,000 | 952,000 |
| Securities available for sale | 39,405,000 | 37,606,000 | 35,652,000 | 36,468,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 85,734,000 | 84,057,000 | 83,029,000 | 87,666,000 |
| Interest-bearing deposits | 80,667,000 | 78,698,000 | 77,218,000 | 80,937,000 |
| Noninterest-bearing deposits | 5,067,000 | 5,359,000 | 5,811,000 | 6,729,000 |
| Equity capital | 13,001,000 | 13,420,000 | 13,585,000 | 13,248,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,119,000 | 2,236,000 | 3,295,000 | 4,515,000 |
| Interest expense | 509,000 | 1,042,000 | 1,607,000 | 2,206,000 |
| Net interest income | 610,000 | 1,194,000 | 1,688,000 | 2,309,000 |
| Noninterest income | 37,000 | 90,000 | 146,000 | 205,000 |
| Noninterest expense | 371,000 | 727,000 | 1,061,000 | 1,585,000 |
| Provision for loan losses | 0 | 0 | 0 | 200,000 |
| Pretax income | 276,000 | 557,000 | 773,000 | 729,000 |
| Income tax | 14,000 | 27,000 | 39,000 | 41,000 |
| Net income | 262,000 | 530,000 | 734,000 | 688,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,298,000 | 13,566,000 | 13,770,000 | 13,573,000 |
| Total capital | 13,994,000 | 14,253,000 | 14,489,000 | 14,303,000 |
| Risk-weighted assets | 55,523,000 | 54,790,000 | 57,408,000 | 58,169,000 |
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