Call reports 2006
KEARNEY STATE BANK AND TRUST COMPANY — 2006
What KEARNEY STATE BANK AND TRUST COMPANY reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 143,704,000 | 144,416,000 | 138,864,000 | 138,816,000 |
| Total loans | 94,086,000 | 90,500,000 | 91,466,000 | 88,718,000 |
| Allowance for loan losses | 1,151,000 | 1,008,000 | 1,013,000 | 1,029,000 |
| Securities available for sale | 30,654,000 | 29,352,000 | 30,934,000 | 28,020,000 |
| Securities held to maturity | 7,737,000 | 7,191,000 | 6,917,000 | 6,586,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 125,414,000 | 122,718,000 | 119,255,000 | 122,916,000 |
| Interest-bearing deposits | 109,093,000 | 106,191,000 | 105,021,000 | 107,051,000 |
| Noninterest-bearing deposits | 16,321,000 | 16,527,000 | 14,234,000 | 15,865,000 |
| Equity capital | 10,585,000 | 10,820,000 | 11,599,000 | 11,993,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 2,241,000 | 4,524,000 | 6,867,000 | 9,202,000 |
| Interest expense | 887,000 | 1,861,000 | 2,909,000 | 4,045,000 |
| Net interest income | 1,354,000 | 2,663,000 | 3,958,000 | 5,157,000 |
| Noninterest income | 292,000 | 671,000 | 984,000 | 1,297,000 |
| Noninterest expense | 918,000 | 1,816,000 | 2,759,000 | 3,691,000 |
| Provision for loan losses | 90,000 | 210,000 | 300,000 | 390,000 |
| Pretax income | 638,000 | 1,282,000 | 1,857,000 | 2,347,000 |
| Income tax | 198,000 | 423,000 | 618,000 | 787,000 |
| Net income | 440,000 | 859,000 | 1,239,000 | 1,560,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,153,000 | 11,553,000 | 11,929,000 | 12,253,000 |
| Total capital | 12,304,000 | 12,561,000 | 12,942,000 | 13,282,000 |
| Risk-weighted assets | 105,281,000 | 104,838,000 | 105,785,000 | 104,200,000 |