Call reports 2007
KEARNEY STATE BANK AND TRUST COMPANY — 2007
What KEARNEY STATE BANK AND TRUST COMPANY reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 147,157,000 | 142,352,000 | 134,174,000 | 136,421,000 |
| Total loans | 85,927,000 | 84,619,000 | 82,629,000 | 78,732,000 |
| Allowance for loan losses | 1,058,000 | 1,054,000 | 1,002,000 | 681,000 |
| Securities available for sale | 32,332,000 | 31,362,000 | 29,694,000 | 30,026,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 121,450,000 | 116,543,000 | 106,210,000 | 110,221,000 |
| Interest-bearing deposits | 107,554,000 | 101,072,000 | 92,841,000 | 94,745,000 |
| Noninterest-bearing deposits | 13,897,000 | 15,471,000 | 13,368,000 | 15,476,000 |
| Equity capital | 20,169,000 | 21,128,000 | 21,714,000 | 21,371,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 480,000 | 2,812,000 | 5,056,000 | 7,167,000 |
| Interest expense | 223,000 | 1,296,000 | 2,301,000 | 3,238,000 |
| Net interest income | 257,000 | 1,516,000 | 2,755,000 | 3,929,000 |
| Noninterest income | 62,000 | 339,000 | 693,000 | 375,000 |
| Noninterest expense | 221,000 | 1,221,000 | 2,217,000 | 3,071,000 |
| Provision for loan losses | 0 | 0 | 0 | 650,000 |
| Pretax income | 98,000 | 588,000 | 1,185,000 | 577,000 |
| Income tax | 29,000 | 181,000 | 379,000 | 148,000 |
| Net income | 69,000 | 407,000 | 806,000 | 429,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,340,000 | 9,477,000 | 9,947,000 | 9,642,000 |
| Total capital | 9,398,000 | 10,531,000 | 10,949,000 | 10,323,000 |
| Risk-weighted assets | 103,226,000 | 100,428,000 | 97,838,000 | 97,110,000 |