Call reports 2002
KEARNEY STATE BANK AND TRUST COMPANY — 2002
What KEARNEY STATE BANK AND TRUST COMPANY reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 108,351,000 | 114,243,000 | 117,715,000 | 116,565,000 |
| Total loans | 79,492,000 | 81,308,000 | 84,111,000 | 84,332,000 |
| Allowance for loan losses | 882,000 | 1,062,000 | 1,005,000 | 1,152,000 |
| Securities available for sale | 17,416,000 | 20,778,000 | 23,428,000 | 22,411,000 |
| Securities held to maturity | 3,427,000 | 3,441,000 | 2,633,000 | 3,786,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 98,573,000 | 103,642,000 | 106,340,000 | 105,006,000 |
| Interest-bearing deposits | 86,706,000 | 90,569,000 | 93,537,000 | 90,692,000 |
| Noninterest-bearing deposits | 11,867,000 | 13,073,000 | 12,803,000 | 14,314,000 |
| Equity capital | 8,321,000 | 8,989,000 | 9,094,000 | 9,556,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 2,041,000 | 4,062,000 | 6,131,000 | 8,162,000 |
| Interest expense | 814,000 | 1,582,000 | 2,350,000 | 3,078,000 |
| Net interest income | 1,227,000 | 2,480,000 | 3,781,000 | 5,084,000 |
| Noninterest income | 320,000 | 604,000 | 896,000 | 1,260,000 |
| Noninterest expense | 658,000 | 1,411,000 | 2,145,000 | 2,948,000 |
| Provision for loan losses | 270,000 | 470,000 | 670,000 | 820,000 |
| Pretax income | 622,000 | 1,269,000 | 2,058,000 | 2,768,000 |
| Income tax | 214,000 | 428,000 | 696,000 | 934,000 |
| Net income | 408,000 | 841,000 | 1,362,000 | 1,834,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,226,000 | 8,659,000 | 8,680,000 | 9,152,000 |
| Total capital | 9,108,000 | 9,711,000 | 9,685,000 | 10,211,000 |
| Risk-weighted assets | 80,833,000 | 84,116,000 | 85,400,000 | 84,611,000 |