Call reports 2004
KS BANK, INC. — 2004
What KS BANK, INC. reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 207,037,000 | 217,563,000 | 223,123,000 | 236,796,000 |
| Total loans | 159,250,000 | 166,293,000 | 171,826,000 | 180,440,000 |
| Allowance for loan losses | 1,438,000 | 1,407,000 | 1,340,000 | 1,419,000 |
| Securities available for sale | 33,180,000 | 34,650,000 | 35,811,000 | 39,358,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 150,697,000 | 162,211,000 | 158,937,000 | 169,295,000 |
| Interest-bearing deposits | 143,207,000 | 153,734,000 | 149,612,000 | 159,343,000 |
| Noninterest-bearing deposits | 7,490,000 | 8,477,000 | 9,325,000 | 9,952,000 |
| Equity capital | 18,529,000 | 17,586,000 | 18,532,000 | 18,750,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 2,850,000 | 5,815,000 | 8,795,000 | 12,070,000 |
| Interest expense | 1,017,000 | 2,088,000 | 3,218,000 | 4,464,000 |
| Net interest income | 1,833,000 | 3,727,000 | 5,577,000 | 7,606,000 |
| Noninterest income | 263,000 | 593,000 | 842,000 | 1,102,000 |
| Noninterest expense | 1,590,000 | 3,196,000 | 4,817,000 | 6,478,000 |
| Provision for loan losses | 75,000 | 150,000 | 254,000 | 365,000 |
| Pretax income | 432,000 | 976,000 | 1,351,000 | 1,875,000 |
| Income tax | 160,000 | 363,000 | 444,000 | 520,000 |
| Net income | 272,000 | 613,000 | 907,000 | 1,355,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,316,000 | 18,256,000 | 18,551,000 | 18,888,000 |
| Total capital | 19,754,000 | 19,663,000 | 19,891,000 | 20,307,000 |
| Risk-weighted assets | 143,272,000 | 150,288,000 | 156,313,000 | 167,361,000 |