Call reports 2004
KEARNEY STATE BANK AND TRUST COMPANY — 2004
What KEARNEY STATE BANK AND TRUST COMPANY reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 132,444,000 | 137,942,000 | 139,523,000 | 140,611,000 |
| Total loans | 86,710,000 | 90,763,000 | 92,902,000 | 92,240,000 |
| Allowance for loan losses | 1,204,000 | 1,301,000 | 1,310,000 | 1,039,000 |
| Securities available for sale | 33,782,000 | 32,220,000 | 29,805,000 | 31,252,000 |
| Securities held to maturity | 3,196,000 | 3,111,000 | 3,004,000 | 6,441,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 117,056,000 | 123,195,000 | 123,835,000 | 127,922,000 |
| Interest-bearing deposits | 103,160,000 | 107,553,000 | 108,827,000 | 112,686,000 |
| Noninterest-bearing deposits | 13,896,000 | 15,642,000 | 15,008,000 | 15,236,000 |
| Equity capital | 10,931,000 | 10,194,000 | 11,103,000 | 11,238,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,934,000 | 3,876,000 | 5,783,000 | 7,765,000 |
| Interest expense | 661,000 | 1,323,000 | 2,019,000 | 2,759,000 |
| Net interest income | 1,273,000 | 2,553,000 | 3,764,000 | 5,006,000 |
| Noninterest income | 342,000 | 721,000 | 1,138,000 | 1,501,000 |
| Noninterest expense | 795,000 | 1,639,000 | 2,395,000 | 3,291,000 |
| Provision for loan losses | 120,000 | 240,000 | 320,000 | 600,000 |
| Pretax income | 906,000 | 1,601,000 | 2,392,000 | 2,821,000 |
| Income tax | 308,000 | 540,000 | 812,000 | 961,000 |
| Net income | 598,000 | 1,061,000 | 1,580,000 | 1,860,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,555,000 | 10,516,000 | 11,031,000 | 11,316,000 |
| Total capital | 11,680,000 | 11,704,000 | 12,274,000 | 12,355,000 |
| Risk-weighted assets | 89,915,000 | 94,935,000 | 99,351,000 | 100,534,000 |