Call reports 2010
KS BANK, INC. — 2010
What KS BANK, INC. reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 346,445,000 | 343,353,000 | 340,660,000 | 335,350,000 |
| Total loans | 231,082,000 | 229,413,000 | 226,252,000 | 219,502,000 |
| Allowance for loan losses | 3,951,000 | 4,214,000 | 4,050,000 | 4,041,000 |
| Securities available for sale | 83,623,000 | 79,190,000 | 85,802,000 | 87,375,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 262,887,000 | 261,743,000 | 258,484,000 | 251,627,000 |
| Interest-bearing deposits | 244,186,000 | 243,397,000 | 241,418,000 | 235,658,000 |
| Noninterest-bearing deposits | 18,701,000 | 18,346,000 | 17,066,000 | 15,969,000 |
| Equity capital | 30,688,000 | 31,381,000 | 31,885,000 | 30,109,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 4,428,000 | 8,881,000 | 13,084,000 | 17,144,000 |
| Interest expense | 1,749,000 | 3,388,000 | 4,992,000 | 6,424,000 |
| Net interest income | 2,679,000 | 5,493,000 | 8,092,000 | 10,720,000 |
| Noninterest income | 395,000 | 842,000 | 1,293,000 | 1,749,000 |
| Noninterest expense | 2,562,000 | 5,149,000 | 8,170,000 | 10,781,000 |
| Provision for loan losses | 273,000 | 679,000 | 1,294,000 | 1,606,000 |
| Pretax income | 244,000 | 507,000 | 751,000 | 938,000 |
| Income tax | -37,000 | -162,000 | -243,000 | -427,000 |
| Net income | 281,000 | 669,000 | 994,000 | 1,365,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,501,000 | 30,777,000 | 30,975,000 | 28,928,000 |
| Total capital | 33,442,000 | 33,655,000 | 33,746,000 | 31,632,000 |
| Risk-weighted assets | 234,306,000 | 228,913,000 | 220,434,000 | 214,951,000 |