Call reports 2013
KCB BANK — 2013
What KCB BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 197,463,000 | 186,882,000 | 184,841,000 | 184,323,000 |
| Total loans | 109,630,000 | 109,079,000 | 113,724,000 | 116,352,000 |
| Allowance for loan losses | 857,000 | 870,000 | 905,000 | 1,054,000 |
| Securities available for sale | 64,249,000 | 60,816,000 | 57,995,000 | 50,767,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 168,117,000 | 157,760,000 | 153,757,000 | 154,815,000 |
| Interest-bearing deposits | 145,202,000 | 139,093,000 | 131,996,000 | 134,238,000 |
| Noninterest-bearing deposits | 22,915,000 | 18,667,000 | 21,761,000 | 20,577,000 |
| Equity capital | 27,890,000 | 27,575,000 | 27,878,000 | 28,087,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 2,109,000 | 4,068,000 | 6,204,000 | 8,316,000 |
| Interest expense | 194,000 | 369,000 | 522,000 | 662,000 |
| Net interest income | 1,915,000 | 3,699,000 | 5,682,000 | 7,654,000 |
| Noninterest income | 250,000 | 573,000 | 869,000 | 1,143,000 |
| Noninterest expense | 1,211,000 | 2,440,000 | 3,660,000 | 4,888,000 |
| Provision for loan losses | 173,000 | 173,000 | 268,000 | 407,000 |
| Pretax income | 781,000 | 1,659,000 | 2,623,000 | 3,366,000 |
| Income tax | 34,000 | 76,000 | 112,000 | 139,000 |
| Net income | 747,000 | 1,583,000 | 2,511,000 | 3,227,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,377,000 | 24,795,000 | 25,305,000 | 25,603,000 |
| Total capital | 25,234,000 | 25,665,000 | 26,210,000 | 26,657,000 |
| Risk-weighted assets | 126,802,000 | 125,188,000 | 127,609,000 | 130,205,000 |
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