Call reports 2003
K BANK — 2003
What K BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 404,756,000 | 426,706,000 | 446,903,000 | 455,970,000 |
| Total loans | 339,578,000 | 366,206,000 | 373,997,000 | 370,087,000 |
| Allowance for loan losses | 8,025,000 | 7,743,000 | 7,550,000 | 7,026,000 |
| Securities available for sale | 26,515,000 | 22,525,000 | 24,596,000 | 33,959,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 346,382,000 | 365,761,000 | 384,192,000 | 387,833,000 |
| Interest-bearing deposits | 314,288,000 | 331,993,000 | 353,138,000 | 351,960,000 |
| Noninterest-bearing deposits | 32,094,000 | 33,768,000 | 31,054,000 | 35,873,000 |
| Equity capital | 30,751,000 | 31,868,000 | 32,982,000 | 39,321,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 8,156,000 | 17,164,000 | 26,632,000 | 36,319,000 |
| Interest expense | 2,976,000 | 5,926,000 | 8,902,000 | 11,889,000 |
| Net interest income | 5,180,000 | 11,238,000 | 17,730,000 | 24,430,000 |
| Noninterest income | 1,575,000 | 3,113,000 | 4,472,000 | 5,892,000 |
| Noninterest expense | 4,365,000 | 9,080,000 | 13,826,000 | 18,821,000 |
| Provision for loan losses | 939,000 | 1,552,000 | 2,297,000 | 3,284,000 |
| Pretax income | 1,493,000 | 3,780,000 | 6,140,000 | 8,278,000 |
| Income tax | 563,000 | 1,432,000 | 2,345,000 | 3,157,000 |
| Net income | 930,000 | 2,348,000 | 3,795,000 | 5,121,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,634,000 | 31,802,000 | 32,999,000 | 39,325,000 |
| Total capital | 34,535,000 | 35,946,000 | 37,256,000 | 43,520,000 |
| Risk-weighted assets | 308,007,000 | 327,954,000 | 337,283,000 | 332,813,000 |