Call reports 2007
KS BANK, INC. — 2007
What KS BANK, INC. reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 303,011,000 | 307,283,000 | 315,626,000 | 318,022,000 |
| Total loans | 228,106,000 | 232,218,000 | 239,060,000 | 243,031,000 |
| Allowance for loan losses | 2,586,000 | 2,600,000 | 2,683,000 | 2,702,000 |
| Securities available for sale | 51,151,000 | 50,896,000 | 49,746,000 | 53,624,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 227,737,000 | 227,487,000 | 227,398,000 | 233,555,000 |
| Interest-bearing deposits | 208,095,000 | 205,239,000 | 206,899,000 | 213,264,000 |
| Noninterest-bearing deposits | 19,642,000 | 22,248,000 | 20,499,000 | 20,291,000 |
| Equity capital | 25,592,000 | 25,108,000 | 25,943,000 | 26,632,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 5,178,000 | 10,492,000 | 16,083,000 | 21,581,000 |
| Interest expense | 2,620,000 | 5,358,000 | 8,210,000 | 11,062,000 |
| Net interest income | 2,558,000 | 5,134,000 | 7,873,000 | 10,519,000 |
| Noninterest income | 418,000 | 896,000 | 1,377,000 | 1,945,000 |
| Noninterest expense | 2,094,000 | 4,218,000 | 6,320,000 | 8,452,000 |
| Provision for loan losses | 133,000 | 153,000 | 233,000 | 253,000 |
| Pretax income | 728,000 | 1,134,000 | 2,195,000 | 3,259,000 |
| Income tax | 188,000 | 246,000 | 563,000 | 879,000 |
| Net income | 540,000 | 888,000 | 1,632,000 | 2,380,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,649,000 | 25,667,000 | 26,241,000 | 26,689,000 |
| Total capital | 28,235,000 | 28,267,000 | 28,924,000 | 29,391,000 |
| Risk-weighted assets | 214,462,000 | 222,856,000 | 229,991,000 | 232,791,000 |