Call reports 2002
KS BANK, INC. — 2002
What KS BANK, INC. reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 165,200,000 | 177,118,000 | 190,000,000 | 190,961,000 |
| Total loans | 140,776,000 | 153,661,000 | 155,147,000 | 153,699,000 |
| Allowance for loan losses | 606,000 | 721,000 | 1,306,000 | 1,276,000 |
| Securities available for sale | 11,395,000 | 12,299,000 | 23,793,000 | 23,296,000 |
| Securities held to maturity | 88,000 | 77,000 | 71,000 | 64,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 130,674,000 | 134,413,000 | 137,578,000 | 138,122,000 |
| Interest-bearing deposits | 123,794,000 | 126,288,000 | 126,089,000 | 131,308,000 |
| Noninterest-bearing deposits | 6,880,000 | 8,125,000 | 11,489,000 | 6,814,000 |
| Equity capital | 16,797,000 | 17,202,000 | 16,880,000 | 17,275,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 2,933,000 | 5,983,000 | 8,991,000 | 12,039,000 |
| Interest expense | 1,353,000 | 2,614,000 | 3,923,000 | 5,202,000 |
| Net interest income | 1,580,000 | 3,369,000 | 5,068,000 | 6,837,000 |
| Noninterest income | 190,000 | 385,000 | 750,000 | 1,033,000 |
| Noninterest expense | 1,065,000 | 2,246,000 | 3,404,000 | 4,703,000 |
| Provision for loan losses | 31,000 | 172,000 | 825,000 | 1,015,000 |
| Pretax income | 674,000 | 1,336,000 | 1,589,000 | 2,152,000 |
| Income tax | 253,000 | 521,000 | 616,000 | 800,000 |
| Net income | 421,000 | 815,000 | 973,000 | 1,352,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,664,000 | 17,075,000 | 16,749,000 | 17,143,000 |
| Total capital | 17,270,000 | 17,796,000 | 18,055,000 | 18,419,000 |
| Risk-weighted assets | 107,919,000 | 121,345,000 | 125,097,000 | 125,094,000 |