Call reports 2005
KS BANK, INC. — 2005
What KS BANK, INC. reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 244,526,000 | 259,581,000 | 259,226,000 | 261,283,000 |
| Total loans | 187,349,000 | 196,575,000 | 198,869,000 | 196,369,000 |
| Allowance for loan losses | 1,526,000 | 1,705,000 | 1,907,000 | 2,085,000 |
| Securities available for sale | 39,245,000 | 42,068,000 | 42,029,000 | 43,904,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 179,703,000 | 187,085,000 | 192,654,000 | 194,823,000 |
| Interest-bearing deposits | 167,571,000 | 174,672,000 | 177,776,000 | 180,796,000 |
| Noninterest-bearing deposits | 12,132,000 | 12,413,000 | 14,878,000 | 14,027,000 |
| Equity capital | 17,656,000 | 20,311,000 | 20,464,000 | 20,491,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 3,460,000 | 7,216,000 | 11,194,000 | 15,341,000 |
| Interest expense | 1,385,000 | 2,970,000 | 4,694,000 | 6,630,000 |
| Net interest income | 2,075,000 | 4,246,000 | 6,500,000 | 8,711,000 |
| Noninterest income | 303,000 | 617,000 | 977,000 | 1,373,000 |
| Noninterest expense | 1,648,000 | 3,352,000 | 5,100,000 | 6,807,000 |
| Provision for loan losses | 185,000 | 365,000 | 585,000 | 785,000 |
| Pretax income | 540,000 | 1,146,000 | 1,792,000 | 2,492,000 |
| Income tax | 160,000 | 319,000 | 457,000 | 690,000 |
| Net income | 380,000 | 827,000 | 1,335,000 | 1,802,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,168,000 | 20,330,000 | 20,607,000 | 20,827,000 |
| Total capital | 19,694,000 | 22,035,000 | 22,514,000 | 22,912,000 |
| Risk-weighted assets | 175,912,000 | 188,788,000 | 191,327,000 | 191,460,000 |