Call reports 2006
KASSON STATE BANK — 2006
What KASSON STATE BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 54,834,000 | 57,223,000 | 55,824,000 | 55,839,000 |
| Total loans | 41,588,000 | 43,533,000 | 43,028,000 | 41,347,000 |
| Allowance for loan losses | 356,000 | 374,000 | 414,000 | 413,000 |
| Securities available for sale | 10,329,000 | 8,653,000 | 8,146,000 | 9,150,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 46,443,000 | 49,441,000 | 48,124,000 | 50,237,000 |
| Interest-bearing deposits | 36,264,000 | 37,998,000 | 37,235,000 | 38,581,000 |
| Noninterest-bearing deposits | 10,179,000 | 11,443,000 | 10,889,000 | 11,656,000 |
| Equity capital | 4,958,000 | 5,170,000 | 5,340,000 | 5,447,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 860,000 | 1,785,000 | 2,701,000 | 3,671,000 |
| Interest expense | 273,000 | 584,000 | 933,000 | 1,284,000 |
| Net interest income | 587,000 | 1,201,000 | 1,768,000 | 2,387,000 |
| Noninterest income | 51,000 | 104,000 | 169,000 | 220,000 |
| Noninterest expense | 378,000 | 746,000 | 1,134,000 | 1,628,000 |
| Provision for loan losses | 27,000 | 49,000 | 79,000 | 186,000 |
| Pretax income | 215,000 | 486,000 | 688,000 | 757,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 215,000 | 486,000 | 688,000 | 757,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,085,000 | 5,249,000 | 5,351,000 | 5,355,000 |
| Total capital | 5,441,000 | 5,623,000 | 5,764,000 | 5,768,000 |
| Risk-weighted assets | 43,295,000 | 46,618,000 | 45,884,000 | 43,650,000 |