Call reports 2003
KCB BANK — 2003
What KCB BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 94,026,000 | 100,350,000 | 91,896,000 | 98,540,000 |
| Total loans | 40,905,000 | 41,315,000 | 43,828,000 | 44,448,000 |
| Allowance for loan losses | 830,000 | 822,000 | 823,000 | 793,000 |
| Securities available for sale | 47,959,000 | 46,241,000 | 43,563,000 | 44,236,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 72,605,000 | 78,145,000 | 70,196,000 | 76,545,000 |
| Interest-bearing deposits | 67,391,000 | 74,027,000 | 65,333,000 | 70,773,000 |
| Noninterest-bearing deposits | 5,214,000 | 4,118,000 | 4,863,000 | 5,772,000 |
| Equity capital | 21,142,000 | 21,943,000 | 21,466,000 | 21,913,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,108,000 | 2,221,000 | 3,305,000 | 4,344,000 |
| Interest expense | 313,000 | 599,000 | 850,000 | 1,084,000 |
| Net interest income | 795,000 | 1,622,000 | 2,455,000 | 3,260,000 |
| Noninterest income | 86,000 | 177,000 | 267,000 | 377,000 |
| Noninterest expense | 366,000 | 733,000 | 1,198,000 | 1,603,000 |
| Provision for loan losses | 23,000 | 22,000 | 22,000 | 22,000 |
| Pretax income | 492,000 | 1,111,000 | 1,568,000 | 2,080,000 |
| Income tax | 173,000 | 198,000 | 153,000 | 118,000 |
| Net income | 319,000 | 913,000 | 1,415,000 | 1,962,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,215,000 | 20,554,000 | 20,798,000 | 21,243,000 |
| Total capital | 20,829,000 | 21,180,000 | 21,435,000 | 21,900,000 |
| Risk-weighted assets | 48,914,000 | 49,885,000 | 50,757,000 | 52,462,000 |
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