Call reports 2006
KS BANK, INC. — 2006
What KS BANK, INC. reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 271,445,000 | 283,183,000 | 287,753,000 | 286,516,000 |
| Total loans | 203,592,000 | 214,350,000 | 218,290,000 | 218,151,000 |
| Allowance for loan losses | 2,218,000 | 2,353,000 | 2,393,000 | 2,449,000 |
| Securities available for sale | 46,079,000 | 44,790,000 | 47,279,000 | 51,112,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 203,852,000 | 213,919,000 | 217,695,000 | 213,744,000 |
| Interest-bearing deposits | 188,109,000 | 196,834,000 | 199,743,000 | 195,307,000 |
| Noninterest-bearing deposits | 15,743,000 | 17,085,000 | 17,952,000 | 18,437,000 |
| Equity capital | 20,696,000 | 20,728,000 | 24,765,000 | 25,333,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 4,251,000 | 8,880,000 | 13,802,000 | 18,843,000 |
| Interest expense | 1,935,000 | 4,082,000 | 6,458,000 | 8,956,000 |
| Net interest income | 2,316,000 | 4,798,000 | 7,344,000 | 9,887,000 |
| Noninterest income | 399,000 | 824,000 | 1,279,000 | 1,753,000 |
| Noninterest expense | 1,833,000 | 3,713,000 | 5,624,000 | 7,572,000 |
| Provision for loan losses | 150,000 | 300,000 | 450,000 | 571,000 |
| Pretax income | 725,000 | 1,606,000 | 2,538,000 | 3,486,000 |
| Income tax | 165,000 | 420,000 | 723,000 | 979,000 |
| Net income | 560,000 | 1,186,000 | 1,815,000 | 2,507,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,107,000 | 21,534,000 | 24,962,000 | 25,479,000 |
| Total capital | 23,325,000 | 23,887,000 | 27,355,000 | 27,928,000 |
| Risk-weighted assets | 200,115,000 | 205,329,000 | 203,716,000 | 205,449,000 |