Call reports 2003
KEARNEY STATE BANK AND TRUST COMPANY — 2003
What KEARNEY STATE BANK AND TRUST COMPANY reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 119,025,000 | 122,269,000 | 131,990,000 | 134,977,000 |
| Total loans | 83,309,000 | 85,081,000 | 86,720,000 | 86,145,000 |
| Allowance for loan losses | 1,133,000 | 1,153,000 | 1,228,000 | 1,200,000 |
| Securities available for sale | 24,258,000 | 26,706,000 | 32,685,000 | 37,530,000 |
| Securities held to maturity | 3,683,000 | 2,860,000 | 3,372,000 | 3,265,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 106,312,000 | 109,739,000 | 116,989,000 | 117,280,000 |
| Interest-bearing deposits | 92,929,000 | 96,481,000 | 101,893,000 | 102,813,000 |
| Noninterest-bearing deposits | 13,383,000 | 13,258,000 | 15,096,000 | 14,467,000 |
| Equity capital | 9,304,000 | 9,965,000 | 10,325,000 | 10,151,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,941,000 | 3,815,000 | 5,740,000 | 7,717,000 |
| Interest expense | 677,000 | 1,357,000 | 2,014,000 | 2,690,000 |
| Net interest income | 1,264,000 | 2,458,000 | 3,726,000 | 5,027,000 |
| Noninterest income | 431,000 | 809,000 | 1,229,000 | 1,578,000 |
| Noninterest expense | 732,000 | 1,444,000 | 2,148,000 | 2,901,000 |
| Provision for loan losses | 90,000 | 180,000 | 340,000 | 500,000 |
| Pretax income | 873,000 | 1,643,000 | 2,467,000 | 3,204,000 |
| Income tax | 295,000 | 555,000 | 827,000 | 1,081,000 |
| Net income | 578,000 | 1,088,000 | 1,640,000 | 2,123,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,980,000 | 9,490,000 | 10,042,000 | 9,975,000 |
| Total capital | 10,045,000 | 10,579,000 | 11,174,000 | 11,101,000 |
| Risk-weighted assets | 85,152,000 | 87,047,000 | 90,500,000 | 90,020,000 |