Call reports 2008
KASSON STATE BANK — 2008
What KASSON STATE BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 54,078,000 | 54,569,000 | 55,265,000 | 55,009,000 |
| Total loans | 36,874,000 | 37,761,000 | 39,394,000 | 39,113,000 |
| Allowance for loan losses | 322,000 | 455,000 | 390,000 | 396,000 |
| Securities available for sale | 9,667,000 | 10,949,000 | 9,996,000 | 10,060,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 48,439,000 | 49,391,000 | 50,600,000 | 50,137,000 |
| Interest-bearing deposits | 38,632,000 | 39,595,000 | 39,724,000 | 38,085,000 |
| Noninterest-bearing deposits | 9,807,000 | 9,796,000 | 10,876,000 | 12,052,000 |
| Equity capital | 4,936,000 | 4,725,000 | 4,280,000 | 4,449,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 855,000 | 1,637,000 | 2,436,000 | 3,251,000 |
| Interest expense | 317,000 | 605,000 | 875,000 | 1,122,000 |
| Net interest income | 538,000 | 1,032,000 | 1,561,000 | 2,129,000 |
| Noninterest income | 48,000 | 95,000 | 152,000 | 195,000 |
| Noninterest expense | 424,000 | 867,000 | 1,319,000 | 1,774,000 |
| Provision for loan losses | 11,000 | 296,000 | 332,000 | 332,000 |
| Pretax income | 149,000 | -40,000 | 58,000 | 159,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 149,000 | -40,000 | 58,000 | 159,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,845,000 | 4,631,000 | 4,731,000 | 4,900,000 |
| Total capital | 5,167,000 | 5,086,000 | 5,121,000 | 5,297,000 |
| Risk-weighted assets | 41,998,000 | 40,707,000 | 43,153,000 | 42,739,000 |