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 | 102,233,000 | 101,618,000 | 96,815,000 | 109,409,000 |
| Total loans | 51,723,000 | 52,750,000 | 54,821,000 | 52,051,000 |
| Allowance for loan losses | 766,000 | 972,000 | 972,000 | 973,000 |
| Securities available for sale | 44,576,000 | 40,596,000 | 36,631,000 | 43,618,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 80,595,000 | 80,408,000 | 74,867,000 | 86,818,000 |
| Interest-bearing deposits | 75,293,000 | 75,451,000 | 69,809,000 | 80,213,000 |
| Noninterest-bearing deposits | 5,302,000 | 4,957,000 | 5,058,000 | 6,605,000 |
| Equity capital | 21,323,000 | 20,861,000 | 21,531,000 | 22,298,000 |
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 | 1,228,000 | 2,786,000 | 4,251,000 | 5,670,000 |
| Interest expense | 674,000 | 1,361,000 | 2,025,000 | 2,614,000 |
| Net interest income | 554,000 | 1,425,000 | 2,226,000 | 3,056,000 |
| Noninterest income | 92,000 | 191,000 | 295,000 | 395,000 |
| Noninterest expense | 416,000 | 841,000 | 1,280,000 | 1,745,000 |
| Provision for loan losses | 0 | 206,000 | 206,000 | 206,000 |
| Pretax income | 230,000 | 569,000 | 1,035,000 | 1,500,000 |
| Income tax | 8,000 | 30,000 | 49,000 | 60,000 |
| Net income | 222,000 | 539,000 | 986,000 | 1,440,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,729,000 | 21,724,000 | 21,895,000 | 22,165,000 |
| Total capital | 22,495,000 | 22,518,000 | 22,682,000 | 22,969,000 |
| Risk-weighted assets | 63,317,000 | 63,312,000 | 62,806,000 | 64,154,000 |
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