Call reports 2012
KS BANK, INC. — 2012
What KS BANK, INC. reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 321,608,000 | 315,408,000 | 311,646,000 | 314,691,000 |
| Total loans | 200,990,000 | 198,327,000 | 196,449,000 | 200,804,000 |
| Allowance for loan losses | 3,511,000 | 3,507,000 | 3,384,000 | 3,424,000 |
| Securities available for sale | 88,695,000 | 84,916,000 | 86,581,000 | 82,356,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 249,910,000 | 244,861,000 | 240,885,000 | 244,205,000 |
| Interest-bearing deposits | 229,310,000 | 222,775,000 | 217,797,000 | 215,678,000 |
| Noninterest-bearing deposits | 20,600,000 | 22,086,000 | 23,088,000 | 28,527,000 |
| Equity capital | 32,507,000 | 32,818,000 | 33,081,000 | 33,227,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 3,535,000 | 7,002,000 | 10,348,000 | 13,720,000 |
| Interest expense | 1,008,000 | 1,945,000 | 2,835,000 | 3,671,000 |
| Net interest income | 2,527,000 | 5,057,000 | 7,513,000 | 10,049,000 |
| Noninterest income | 332,000 | 575,000 | 1,141,000 | 1,847,000 |
| Noninterest expense | 2,529,000 | 5,322,000 | 8,239,000 | 11,129,000 |
| Provision for loan losses | 150,000 | 200,000 | 125,000 | 207,000 |
| Pretax income | 362,000 | 535,000 | 723,000 | 997,000 |
| Income tax | 33,000 | 10,000 | 9,000 | 53,000 |
| Net income | 329,000 | 525,000 | 714,000 | 944,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,653,000 | 28,506,000 | 28,873,000 | 29,878,000 |
| Total capital | 31,117,000 | 30,943,000 | 31,251,000 | 32,308,000 |
| Risk-weighted assets | 196,080,000 | 193,869,000 | 189,227,000 | 193,422,000 |