Call reports 2009
KASSON STATE BANK — 2009
What KASSON STATE BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 54,052,000 | 55,652,000 | 58,617,000 | 59,766,000 |
| Total loans | 40,404,000 | 40,629,000 | 40,592,000 | 41,223,000 |
| Allowance for loan losses | 396,000 | 410,000 | 410,000 | 443,000 |
| Securities available for sale | 9,510,000 | 9,727,000 | 10,479,000 | 10,801,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 49,299,000 | 50,637,000 | 53,463,000 | 54,232,000 |
| Interest-bearing deposits | 38,789,000 | 40,151,000 | 41,905,000 | 42,241,000 |
| Noninterest-bearing deposits | 10,510,000 | 10,486,000 | 11,558,000 | 11,991,000 |
| Equity capital | 4,519,000 | 4,702,000 | 4,971,000 | 5,091,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 774,000 | 1,540,000 | 2,310,000 | 3,055,000 |
| Interest expense | 223,000 | 437,000 | 646,000 | 841,000 |
| Net interest income | 551,000 | 1,103,000 | 1,664,000 | 2,214,000 |
| Noninterest income | 36,000 | 74,000 | 145,000 | 130,000 |
| Noninterest expense | 452,000 | 871,000 | 1,332,000 | 1,729,000 |
| Provision for loan losses | 17,000 | 115,000 | 158,000 | 193,000 |
| Pretax income | 55,000 | 71,000 | 144,000 | 192,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 55,000 | 71,000 | 144,000 | 192,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,955,000 | 4,973,000 | 5,044,000 | 5,096,000 |
| Total capital | 5,351,000 | 5,383,000 | 5,454,000 | 5,539,000 |
| Risk-weighted assets | 42,206,000 | 44,855,000 | 44,956,000 | 45,987,000 |