Call reports 2004
KCB BANK — 2004
What KCB BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 100,046,000 | 97,739,000 | 98,797,000 | 98,154,000 |
| Total loans | 43,874,000 | 44,709,000 | 46,311,000 | 49,673,000 |
| Allowance for loan losses | 793,000 | 775,000 | 771,000 | 772,000 |
| Securities available for sale | 50,672,000 | 49,064,000 | 48,670,000 | 44,443,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 77,196,000 | 76,097,000 | 66,425,000 | 74,394,000 |
| Interest-bearing deposits | 71,449,000 | 70,723,000 | 61,012,000 | 68,295,000 |
| Noninterest-bearing deposits | 5,747,000 | 5,374,000 | 5,413,000 | 6,099,000 |
| Equity capital | 22,671,000 | 21,448,000 | 22,466,000 | 22,458,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,093,000 | 2,208,000 | 3,322,000 | 4,491,000 |
| Interest expense | 236,000 | 472,000 | 720,000 | 1,022,000 |
| Net interest income | 857,000 | 1,736,000 | 2,602,000 | 3,469,000 |
| Noninterest income | 84,000 | 167,000 | 261,000 | 415,000 |
| Noninterest expense | 373,000 | 750,000 | 1,231,000 | 1,639,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 568,000 | 1,153,000 | 1,632,000 | 2,245,000 |
| Income tax | 22,000 | 46,000 | 16,000 | 41,000 |
| Net income | 546,000 | 1,107,000 | 1,616,000 | 2,204,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,519,000 | 21,756,000 | 21,941,000 | 22,204,000 |
| Total capital | 22,177,000 | 22,413,000 | 22,616,000 | 22,915,000 |
| Risk-weighted assets | 52,513,000 | 52,480,000 | 53,920,000 | 56,819,000 |