Call reports 2008
K BANK — 2008
What K BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 649,097,000 | 657,086,000 | 649,932,000 | 672,728,000 |
| Total loans | 559,015,000 | 575,544,000 | 571,978,000 | 555,633,000 |
| Allowance for loan losses | 8,119,000 | 11,120,000 | 15,928,000 | 15,662,000 |
| Securities available for sale | 51,626,000 | 46,501,000 | 44,746,000 | 64,757,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 562,818,000 | 551,810,000 | 541,768,000 | 563,672,000 |
| Interest-bearing deposits | 530,486,000 | 518,964,000 | 511,691,000 | 537,052,000 |
| Noninterest-bearing deposits | 32,332,000 | 32,846,000 | 30,077,000 | 26,620,000 |
| Equity capital | 56,532,000 | 56,717,000 | 54,201,000 | 42,782,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 11,244,000 | 21,586,000 | 31,603,000 | 40,905,000 |
| Interest expense | 5,996,000 | 11,538,000 | 17,009,000 | 22,366,000 |
| Net interest income | 5,248,000 | 10,048,000 | 14,594,000 | 18,539,000 |
| Noninterest income | 309,000 | -126,000 | -58,000 | -478,000 |
| Noninterest expense | 5,491,000 | 10,747,000 | 15,727,000 | 21,776,000 |
| Provision for loan losses | 2,410,000 | 7,129,000 | 17,436,000 | 24,630,000 |
| Pretax income | -2,344,000 | -7,912,000 | -18,585,000 | -28,303,000 |
| Income tax | -960,000 | -3,153,000 | -7,316,000 | -4,285,000 |
| Net income | -1,384,000 | -4,759,000 | -11,269,000 | -24,018,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 55,954,000 | 55,156,000 | 50,311,000 | 42,320,000 |
| Total capital | 62,536,000 | 61,867,000 | 56,906,000 | 48,843,000 |
| Risk-weighted assets | 524,990,000 | 532,408,000 | 518,243,000 | 512,688,000 |