Call reports 2003
KS BANK, INC. — 2003
What KS BANK, INC. 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 | 194,210,000 | 191,225,000 | 196,436,000 | 201,403,000 |
| Total loans | 155,182,000 | 154,767,000 | 150,426,000 | 153,226,000 |
| Allowance for loan losses | 1,334,000 | 1,411,000 | 1,248,000 | 1,358,000 |
| Securities available for sale | 21,955,000 | 23,602,000 | 30,410,000 | 32,745,000 |
| Securities held to maturity | 62,000 | 58,000 | 51,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 140,891,000 | 141,084,000 | 141,011,000 | 142,598,000 |
| Interest-bearing deposits | 132,871,000 | 132,112,000 | 133,256,000 | 135,659,000 |
| Noninterest-bearing deposits | 8,020,000 | 8,972,000 | 7,755,000 | 6,939,000 |
| Equity capital | 17,705,000 | 17,648,000 | 17,771,000 | 18,086,000 |
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 | 2,990,000 | 5,897,000 | 8,615,000 | 11,361,000 |
| Interest expense | 1,200,000 | 2,307,000 | 3,326,000 | 4,333,000 |
| Net interest income | 1,790,000 | 3,590,000 | 5,289,000 | 7,028,000 |
| Noninterest income | 318,000 | 709,000 | 1,003,000 | 1,302,000 |
| Noninterest expense | 1,289,000 | 2,713,000 | 4,215,000 | 5,771,000 |
| Provision for loan losses | 48,000 | 162,000 | 162,000 | 352,000 |
| Pretax income | 771,000 | 1,424,000 | 1,915,000 | 2,208,000 |
| Income tax | 294,000 | 543,000 | 730,000 | 785,000 |
| Net income | 477,000 | 881,000 | 1,185,000 | 1,423,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,638,000 | 17,460,000 | 17,782,000 | 18,043,000 |
| Total capital | 18,972,000 | 18,871,000 | 19,030,000 | 19,401,000 |
| Risk-weighted assets | 128,338,000 | 130,518,000 | 129,607,000 | 136,484,000 |