Call reports 2009
KCB BANK — 2009
What KCB BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 117,738,000 | 118,710,000 | 113,879,000 | 120,623,000 |
| Total loans | 52,327,000 | 50,467,000 | 50,580,000 | 51,641,000 |
| Allowance for loan losses | 950,000 | 946,000 | 1,266,000 | 1,076,000 |
| Securities available for sale | 59,269,000 | 64,116,000 | 59,251,000 | 58,672,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 92,988,000 | 92,091,000 | 84,102,000 | 96,257,000 |
| Interest-bearing deposits | 86,038,000 | 85,088,000 | 77,651,000 | 89,010,000 |
| Noninterest-bearing deposits | 6,950,000 | 7,003,000 | 6,451,000 | 7,246,000 |
| Equity capital | 24,201,000 | 24,012,000 | 24,629,000 | 23,845,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,336,000 | 2,633,000 | 3,935,000 | 5,199,000 |
| Interest expense | 350,000 | 664,000 | 943,000 | 1,205,000 |
| Net interest income | 986,000 | 1,969,000 | 2,992,000 | 3,994,000 |
| Noninterest income | 122,000 | 246,000 | 423,000 | 546,000 |
| Noninterest expense | 489,000 | 1,051,000 | 1,574,000 | 2,116,000 |
| Provision for loan losses | 0 | 0 | 320,000 | 764,000 |
| Pretax income | 619,000 | 1,164,000 | 1,521,000 | 1,660,000 |
| Income tax | 25,000 | 47,000 | 76,000 | 64,000 |
| Net income | 594,000 | 1,117,000 | 1,445,000 | 1,596,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,305,000 | 23,378,000 | 23,255,000 | 22,956,000 |
| Total capital | 24,115,000 | 24,176,000 | 24,035,000 | 23,766,000 |
| Risk-weighted assets | 64,689,000 | 63,682,000 | 61,952,000 | 64,538,000 |
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