Call reports 2003
KASSON STATE BANK — 2003
What KASSON STATE BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 61,903,000 | 62,870,000 | 60,407,000 | 59,183,000 |
| Total loans | 39,124,000 | 38,231,000 | 38,324,000 | 38,155,000 |
| Allowance for loan losses | 451,000 | 482,000 | 406,000 | 453,000 |
| Securities available for sale | 13,461,000 | 12,511,000 | 12,604,000 | 14,732,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 55,645,000 | 56,641,000 | 53,809,000 | 52,846,000 |
| Interest-bearing deposits | 42,426,000 | 43,562,000 | 43,475,000 | 41,685,000 |
| Noninterest-bearing deposits | 13,219,000 | 13,079,000 | 10,334,000 | 11,161,000 |
| Equity capital | 5,749,000 | 5,960,000 | 6,051,000 | 6,056,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 874,000 | 1,741,000 | 2,539,000 | 3,326,000 |
| Interest expense | 275,000 | 536,000 | 784,000 | 1,014,000 |
| Net interest income | 599,000 | 1,205,000 | 1,755,000 | 2,312,000 |
| Noninterest income | 59,000 | 120,000 | 189,000 | 244,000 |
| Noninterest expense | 367,000 | 720,000 | 1,072,000 | 1,623,000 |
| Provision for loan losses | 10,000 | 35,000 | 110,000 | 160,000 |
| Pretax income | 279,000 | 599,000 | 784,000 | 795,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 279,000 | 599,000 | 784,000 | 795,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,342,000 | 5,521,000 | 5,673,000 | 5,684,000 |
| Total capital | 5,793,000 | 6,003,000 | 6,079,000 | 6,137,000 |
| Risk-weighted assets | 48,195,000 | 48,607,000 | 45,276,000 | 42,817,000 |