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 | 109,900,000 | 111,741,000 | 105,853,000 | 118,933,000 |
| Total loans | 50,414,000 | 53,596,000 | 56,281,000 | 52,555,000 |
| Allowance for loan losses | 973,000 | 959,000 | 950,000 | 950,000 |
| Securities available for sale | 47,844,000 | 47,903,000 | 43,336,000 | 45,738,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 86,113,000 | 88,935,000 | 82,578,000 | 95,120,000 |
| Interest-bearing deposits | 80,321,000 | 83,341,000 | 76,346,000 | 86,645,000 |
| Noninterest-bearing deposits | 5,792,000 | 5,594,000 | 6,231,000 | 8,475,000 |
| Equity capital | 23,200,000 | 22,299,000 | 22,712,000 | 23,356,000 |
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 | 1,464,000 | 2,871,000 | 4,386,000 | 5,728,000 |
| Interest expense | 532,000 | 981,000 | 1,399,000 | 1,765,000 |
| Net interest income | 932,000 | 1,890,000 | 2,987,000 | 3,963,000 |
| Noninterest income | 112,000 | 216,000 | 328,000 | 437,000 |
| Noninterest expense | 468,000 | 970,000 | 1,472,000 | 2,052,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 576,000 | 1,136,000 | 1,843,000 | 2,348,000 |
| Income tax | 32,000 | 47,000 | 75,000 | 93,000 |
| Net income | 544,000 | 1,089,000 | 1,768,000 | 2,255,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,368,000 | 22,446,000 | 22,683,000 | 22,728,000 |
| Total capital | 23,165,000 | 23,250,000 | 23,490,000 | 23,532,000 |
| Risk-weighted assets | 63,610,000 | 64,172,000 | 64,453,000 | 64,190,000 |
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