Call reports 2004
KASSON STATE BANK — 2004
What KASSON STATE BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 58,039,000 | 60,912,000 | 64,973,000 | 60,808,000 |
| Total loans | 37,447,000 | 38,445,000 | 39,213,000 | 40,394,000 |
| Allowance for loan losses | 464,000 | 476,000 | 481,000 | 396,000 |
| Securities available for sale | 13,376,000 | 14,422,000 | 18,965,000 | 16,054,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 51,590,000 | 54,707,000 | 56,145,000 | 55,313,000 |
| Interest-bearing deposits | 41,596,000 | 43,468,000 | 44,494,000 | 43,251,000 |
| Noninterest-bearing deposits | 9,994,000 | 11,239,000 | 11,651,000 | 12,062,000 |
| Equity capital | 6,075,000 | 5,907,000 | 8,089,000 | 5,007,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 762,000 | 1,548,000 | 2,413,000 | 3,212,000 |
| Interest expense | 209,000 | 413,000 | 617,000 | 828,000 |
| Net interest income | 553,000 | 1,135,000 | 1,796,000 | 2,384,000 |
| Noninterest income | 34,000 | 72,000 | 1,624,000 | 1,683,000 |
| Noninterest expense | 355,000 | 685,000 | 1,109,000 | 1,564,000 |
| Provision for loan losses | 10,000 | 20,000 | 45,000 | 180,000 |
| Pretax income | 245,000 | 528,000 | 2,283,000 | 2,340,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 245,000 | 528,000 | 2,283,000 | 2,340,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,671,000 | 5,748,000 | 4,817,000 | 4,854,000 |
| Total capital | 6,135,000 | 6,224,000 | 5,298,000 | 5,250,000 |
| Risk-weighted assets | 43,746,000 | 45,370,000 | 45,102,000 | 43,272,000 |