Call reports 2004
K BANK — 2004
What K BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 467,583,000 | 482,290,000 | 488,770,000 | 496,583,000 |
| Total loans | 390,989,000 | 387,937,000 | 424,868,000 | 442,462,000 |
| Allowance for loan losses | 7,141,000 | 7,155,000 | 8,206,000 | 6,888,000 |
| Securities available for sale | 40,695,000 | 47,273,000 | 46,924,000 | 38,060,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 398,700,000 | 411,494,000 | 418,674,000 | 424,097,000 |
| Interest-bearing deposits | 361,345,000 | 371,278,000 | 383,256,000 | 384,962,000 |
| Noninterest-bearing deposits | 37,355,000 | 40,216,000 | 35,418,000 | 39,135,000 |
| Equity capital | 40,798,000 | 41,643,000 | 42,363,000 | 43,115,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 9,668,000 | 19,248,000 | 28,621,000 | 38,583,000 |
| Interest expense | 2,922,000 | 5,898,000 | 8,943,000 | 12,124,000 |
| Net interest income | 6,746,000 | 13,350,000 | 19,678,000 | 26,459,000 |
| Noninterest income | 1,430,000 | 3,115,000 | 4,734,000 | 6,126,000 |
| Noninterest expense | 4,820,000 | 10,009,000 | 15,035,000 | 19,868,000 |
| Provision for loan losses | 628,000 | 1,447,000 | 3,164,000 | 4,746,000 |
| Pretax income | 2,728,000 | 5,009,000 | 6,213,000 | 7,924,000 |
| Income tax | 1,041,000 | 1,903,000 | 2,356,000 | 2,995,000 |
| Net income | 1,687,000 | 3,106,000 | 3,857,000 | 4,928,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,761,000 | 41,931,000 | 42,432,000 | 43,253,000 |
| Total capital | 45,155,000 | 46,298,000 | 47,004,000 | 47,953,000 |
| Risk-weighted assets | 348,761,000 | 346,568,000 | 362,126,000 | 373,851,000 |