Call reports 2003
KANZA BANK — 2003
What KANZA BANK 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 | 108,635,000 | 114,973,000 | 119,147,000 | 121,333,000 |
| Total loans | 73,037,000 | 75,611,000 | 74,825,000 | 77,745,000 |
| Allowance for loan losses | 1,299,000 | 1,282,000 | 1,164,000 | 1,268,000 |
| Securities available for sale | 25,514,000 | 26,352,000 | 26,949,000 | 31,720,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 85,775,000 | 90,076,000 | 88,783,000 | 93,304,000 |
| Interest-bearing deposits | 72,913,000 | 74,758,000 | 73,459,000 | 78,637,000 |
| Noninterest-bearing deposits | 12,862,000 | 15,318,000 | 15,324,000 | 14,667,000 |
| Equity capital | 14,078,000 | 14,498,000 | 14,418,000 | 13,978,000 |
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 | 1,583,000 | 3,182,000 | 4,747,000 | 6,343,000 |
| Interest expense | 436,000 | 845,000 | 1,237,000 | 1,630,000 |
| Net interest income | 1,147,000 | 2,337,000 | 3,510,000 | 4,713,000 |
| Noninterest income | 290,000 | 597,000 | 1,001,000 | 1,327,000 |
| Noninterest expense | 997,000 | 1,836,000 | 2,798,000 | 3,701,000 |
| Provision for loan losses | 58,000 | 130,000 | 173,000 | 391,000 |
| Pretax income | 382,000 | 968,000 | 1,540,000 | 1,948,000 |
| Income tax | 17,000 | 33,000 | 50,000 | 55,000 |
| Net income | 365,000 | 935,000 | 1,490,000 | 1,893,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,534,000 | 11,803,000 | 12,059,000 | 11,768,000 |
| Total capital | 12,520,000 | 12,873,000 | 13,133,000 | 12,878,000 |
| Risk-weighted assets | 78,568,000 | 85,424,000 | 85,820,000 | 88,672,000 |