Call reports 2007
K BANK — 2007
What K BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 656,491,000 | 677,150,000 | 675,022,000 | 659,422,000 |
| Total loans | 505,472,000 | 521,438,000 | 523,796,000 | 527,118,000 |
| Allowance for loan losses | 8,143,000 | 7,890,000 | 7,837,000 | 7,039,000 |
| Securities available for sale | 94,611,000 | 98,911,000 | 108,388,000 | 72,541,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 571,448,000 | 594,357,000 | 582,439,000 | 566,196,000 |
| Interest-bearing deposits | 535,105,000 | 555,386,000 | 547,708,000 | 532,879,000 |
| Noninterest-bearing deposits | 36,343,000 | 38,971,000 | 34,731,000 | 33,317,000 |
| Equity capital | 59,341,000 | 55,643,000 | 56,725,000 | 57,671,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 13,905,000 | 27,634,000 | 41,481,000 | 54,288,000 |
| Interest expense | 6,073,000 | 12,492,000 | 19,122,000 | 25,617,000 |
| Net interest income | 7,832,000 | 15,142,000 | 22,359,000 | 28,671,000 |
| Noninterest income | 1,073,000 | 2,026,000 | 2,367,000 | 865,000 |
| Noninterest expense | 5,371,000 | 10,767,000 | 16,114,000 | 21,205,000 |
| Provision for loan losses | 748,000 | 553,000 | 1,853,000 | 8,029,000 |
| Pretax income | 2,786,000 | 5,848,000 | 6,759,000 | 307,000 |
| Income tax | 1,042,000 | 2,185,000 | 2,355,000 | -87,000 |
| Net income | 1,744,000 | 3,663,000 | 4,404,000 | 394,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 59,438,000 | 56,107,000 | 56,598,000 | 57,338,000 |
| Total capital | 65,756,000 | 62,616,000 | 63,118,000 | 63,765,000 |
| Risk-weighted assets | 503,563,000 | 519,299,000 | 520,242,000 | 513,515,000 |