Call reports 2011
KS BANK, INC. — 2011
What KS BANK, INC. reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 334,874,000 | 326,625,000 | 326,352,000 | 322,684,000 |
| Total loans | 217,268,000 | 208,124,000 | 199,984,000 | 199,664,000 |
| Allowance for loan losses | 3,974,000 | 4,263,000 | 4,328,000 | 3,477,000 |
| Securities available for sale | 89,614,000 | 89,471,000 | 91,742,000 | 91,375,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 252,769,000 | 245,245,000 | 250,048,000 | 246,628,000 |
| Interest-bearing deposits | 234,650,000 | 227,134,000 | 232,243,000 | 228,239,000 |
| Noninterest-bearing deposits | 18,119,000 | 18,111,000 | 17,805,000 | 18,389,000 |
| Equity capital | 30,332,000 | 31,684,000 | 32,125,000 | 32,249,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 3,932,000 | 7,747,000 | 11,454,000 | 15,078,000 |
| Interest expense | 1,257,000 | 2,447,000 | 3,591,000 | 4,690,000 |
| Net interest income | 2,675,000 | 5,300,000 | 7,863,000 | 10,388,000 |
| Noninterest income | 327,000 | 761,000 | 1,141,000 | 1,402,000 |
| Noninterest expense | 2,583,000 | 5,038,000 | 7,837,000 | 10,427,000 |
| Provision for loan losses | 180,000 | 547,000 | 1,333,000 | 1,483,000 |
| Pretax income | 193,000 | 457,000 | -244,000 | 20,000 |
| Income tax | -60,000 | -153,000 | -494,000 | -511,000 |
| Net income | 253,000 | 610,000 | 250,000 | 531,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,077,000 | 29,173,000 | 28,665,000 | 28,785,000 |
| Total capital | 31,747,000 | 31,746,000 | 31,171,000 | 31,248,000 |
| Risk-weighted assets | 212,287,000 | 204,152,000 | 198,632,000 | 196,029,000 |