Call reports 2005
KEARNEY STATE BANK AND TRUST COMPANY — 2005
What KEARNEY STATE BANK AND TRUST COMPANY reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 144,939,000 | 148,222,000 | 142,570,000 | 144,485,000 |
| Total loans | 94,293,000 | 93,795,000 | 95,294,000 | 93,749,000 |
| Allowance for loan losses | 1,143,000 | 1,078,000 | 1,179,000 | 1,069,000 |
| Securities available for sale | 30,081,000 | 30,515,000 | 30,123,000 | 30,916,000 |
| Securities held to maturity | 8,101,000 | 7,791,000 | 7,765,000 | 7,748,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 131,963,000 | 130,932,000 | 124,090,000 | 125,553,000 |
| Interest-bearing deposits | 114,443,000 | 114,851,000 | 108,623,000 | 106,132,000 |
| Noninterest-bearing deposits | 17,520,000 | 16,081,000 | 15,467,000 | 19,421,000 |
| Equity capital | 11,393,000 | 12,254,000 | 10,944,000 | 11,307,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 2,025,000 | 4,163,000 | 6,363,000 | 8,580,000 |
| Interest expense | 750,000 | 1,552,000 | 2,415,000 | 3,285,000 |
| Net interest income | 1,275,000 | 2,611,000 | 3,948,000 | 5,295,000 |
| Noninterest income | 343,000 | 785,000 | 1,187,000 | 1,530,000 |
| Noninterest expense | 854,000 | 1,708,000 | 2,705,000 | 3,555,000 |
| Provision for loan losses | 90,000 | 180,000 | 270,000 | 330,000 |
| Pretax income | 674,000 | 1,508,000 | 2,160,000 | 2,940,000 |
| Income tax | 225,000 | 505,000 | 721,000 | 985,000 |
| Net income | 449,000 | 1,003,000 | 1,439,000 | 1,955,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,765,000 | 12,323,000 | 11,251,000 | 11,718,000 |
| Total capital | 12,908,000 | 13,401,000 | 12,430,000 | 12,787,000 |
| Risk-weighted assets | 104,008,000 | 104,422,000 | 105,634,000 | 104,185,000 |