Call reports 2005
KASSON STATE BANK — 2005
What KASSON STATE BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 58,936,000 | 57,447,000 | 57,100,000 | 56,237,000 |
| Total loans | 41,518,000 | 40,891,000 | 40,273,000 | 41,165,000 |
| Allowance for loan losses | 350,000 | 313,000 | 351,000 | 367,000 |
| Securities available for sale | 13,825,000 | 13,013,000 | 11,494,000 | 11,345,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 53,118,000 | 52,175,000 | 50,306,000 | 49,320,000 |
| Interest-bearing deposits | 41,978,000 | 41,555,000 | 39,629,000 | 37,880,000 |
| Noninterest-bearing deposits | 11,140,000 | 10,620,000 | 10,677,000 | 11,440,000 |
| Equity capital | 4,828,000 | 4,955,000 | 5,032,000 | 5,074,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 786,000 | 1,602,000 | 2,409,000 | 3,280,000 |
| Interest expense | 214,000 | 437,000 | 666,000 | 929,000 |
| Net interest income | 572,000 | 1,165,000 | 1,743,000 | 2,351,000 |
| Noninterest income | 37,000 | 83,000 | 138,000 | 190,000 |
| Noninterest expense | 366,000 | 760,000 | 1,144,000 | 1,617,000 |
| Provision for loan losses | 23,000 | 62,000 | 101,000 | 181,000 |
| Pretax income | 224,000 | 432,000 | 620,000 | 726,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 224,000 | 432,000 | 620,000 | 726,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,805,000 | 4,901,000 | 5,025,000 | 5,062,000 |
| Total capital | 5,155,000 | 5,214,000 | 5,376,000 | 5,429,000 |
| Risk-weighted assets | 43,281,000 | 42,438,000 | 43,881,000 | 43,173,000 |