Call reports 2009
KS BANK, INC. — 2009
What KS BANK, INC. reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 322,970,000 | 320,300,000 | 342,504,000 | 348,580,000 |
| Total loans | 248,732,000 | 238,658,000 | 232,591,000 | 231,099,000 |
| Allowance for loan losses | 4,118,000 | 3,563,000 | 3,870,000 | 3,942,000 |
| Securities available for sale | 53,673,000 | 58,012,000 | 83,234,000 | 87,272,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 240,950,000 | 240,323,000 | 257,264,000 | 259,271,000 |
| Interest-bearing deposits | 223,046,000 | 222,678,000 | 238,780,000 | 241,019,000 |
| Noninterest-bearing deposits | 17,904,000 | 17,645,000 | 18,484,000 | 18,252,000 |
| Equity capital | 25,753,000 | 26,254,000 | 31,541,000 | 30,324,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 4,446,000 | 8,667,000 | 12,890,000 | 17,472,000 |
| Interest expense | 2,165,000 | 4,126,000 | 5,987,000 | 7,910,000 |
| Net interest income | 2,281,000 | 4,541,000 | 6,903,000 | 9,562,000 |
| Noninterest income | 575,000 | 1,128,000 | 1,607,000 | 2,178,000 |
| Noninterest expense | 2,444,000 | 4,956,000 | 7,520,000 | 10,390,000 |
| Provision for loan losses | 430,000 | 543,000 | 1,083,000 | 2,218,000 |
| Pretax income | 86,000 | 274,000 | 11,000 | -764,000 |
| Income tax | -77,000 | -122,000 | -337,000 | -752,000 |
| Net income | 163,000 | 396,000 | 348,000 | -12,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,686,000 | 26,857,000 | 30,797,000 | 30,314,000 |
| Total capital | 29,537,000 | 29,696,000 | 33,700,000 | 33,267,000 |
| Risk-weighted assets | 226,814,000 | 226,374,000 | 231,291,000 | 235,272,000 |