Call reports 2008
KS BANK, INC. — 2008
What KS BANK, INC. reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 322,149,000 | 318,333,000 | 322,911,000 | 324,527,000 |
| Total loans | 245,005,000 | 242,680,000 | 248,395,000 | 249,032,000 |
| Allowance for loan losses | 2,723,000 | 2,684,000 | 2,670,000 | 3,753,000 |
| Securities available for sale | 54,513,000 | 53,775,000 | 52,107,000 | 54,588,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 238,281,000 | 235,055,000 | 240,586,000 | 242,474,000 |
| Interest-bearing deposits | 220,345,000 | 217,171,000 | 223,223,000 | 225,301,000 |
| Noninterest-bearing deposits | 17,936,000 | 17,884,000 | 17,363,000 | 17,173,000 |
| Equity capital | 26,814,000 | 26,500,000 | 25,655,000 | 25,694,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 5,275,000 | 10,190,000 | 15,026,000 | 19,583,000 |
| Interest expense | 2,742,000 | 5,127,000 | 7,383,000 | 9,691,000 |
| Net interest income | 2,533,000 | 5,063,000 | 7,643,000 | 9,892,000 |
| Noninterest income | 447,000 | 912,000 | 1,342,000 | 1,815,000 |
| Noninterest expense | 2,350,000 | 4,750,000 | 7,186,000 | 9,482,000 |
| Provision for loan losses | 35,000 | 53,000 | 203,000 | 1,396,000 |
| Pretax income | 595,000 | 1,185,000 | 1,609,000 | 842,000 |
| Income tax | 136,000 | 242,000 | 308,000 | -113,000 |
| Net income | 459,000 | 943,000 | 1,301,000 | 955,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,900,000 | 27,160,000 | 27,253,000 | 26,688,000 |
| Total capital | 29,623,000 | 29,844,000 | 29,923,000 | 29,639,000 |
| Risk-weighted assets | 235,509,000 | 232,983,000 | 244,177,000 | 235,301,000 |