Call reports 2005
K BANK — 2005
What K BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 525,177,000 | 569,779,000 | 590,370,000 | 620,793,000 |
| Total loans | 463,410,000 | 502,816,000 | 520,022,000 | 524,084,000 |
| Allowance for loan losses | 7,219,000 | 7,739,000 | 8,289,000 | 8,186,000 |
| Securities available for sale | 37,276,000 | 37,057,000 | 36,217,000 | 45,697,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 453,788,000 | 498,521,000 | 516,576,000 | 545,612,000 |
| Interest-bearing deposits | 414,490,000 | 451,976,000 | 473,550,000 | 498,782,000 |
| Noninterest-bearing deposits | 39,298,000 | 46,545,000 | 43,026,000 | 46,830,000 |
| Equity capital | 44,438,000 | 46,129,000 | 47,922,000 | 49,688,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 10,452,000 | 21,889,000 | 34,626,000 | 47,860,000 |
| Interest expense | 3,312,000 | 7,149,000 | 11,425,000 | 15,982,000 |
| Net interest income | 7,140,000 | 14,740,000 | 23,201,000 | 31,878,000 |
| Noninterest income | 1,464,000 | 2,875,000 | 4,403,000 | 4,866,000 |
| Noninterest expense | 4,648,000 | 9,832,000 | 15,254,000 | 20,692,000 |
| Provision for loan losses | 1,050,000 | 1,987,000 | 2,983,000 | 3,303,000 |
| Pretax income | 2,906,000 | 5,796,000 | 9,367,000 | 12,749,000 |
| Income tax | 1,109,000 | 2,204,000 | 3,572,000 | 4,866,000 |
| Net income | 1,797,000 | 3,592,000 | 5,795,000 | 7,883,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 44,800,000 | 46,345,000 | 48,298,000 | 50,136,000 |
| Total capital | 49,901,000 | 51,822,000 | 53,962,000 | 55,903,000 |
| Risk-weighted assets | 405,968,000 | 435,861,000 | 450,516,000 | 458,962,000 |