Call reports 2013
KS BANK, INC. — 2013
What KS BANK, INC. reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 313,363,000 | 310,720,000 | 303,683,000 | 305,279,000 |
| Total loans | 199,952,000 | 194,638,000 | 194,711,000 | 197,036,000 |
| Allowance for loan losses | 3,421,000 | 3,428,000 | 3,464,000 | 3,390,000 |
| Securities available for sale | 86,543,000 | 85,043,000 | 84,589,000 | 84,292,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 243,136,000 | 242,123,000 | 234,997,000 | 230,344,000 |
| Interest-bearing deposits | 212,669,000 | 208,528,000 | 204,862,000 | 199,440,000 |
| Noninterest-bearing deposits | 30,467,000 | 33,595,000 | 30,135,000 | 30,904,000 |
| Equity capital | 33,055,000 | 32,478,000 | 32,095,000 | 32,204,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 3,217,000 | 6,377,000 | 9,509,000 | 12,708,000 |
| Interest expense | 779,000 | 1,475,000 | 2,153,000 | 2,806,000 |
| Net interest income | 2,438,000 | 4,902,000 | 7,356,000 | 9,902,000 |
| Noninterest income | 435,000 | 881,000 | 1,381,000 | 1,868,000 |
| Noninterest expense | 2,663,000 | 5,110,000 | 7,493,000 | 10,236,000 |
| Provision for loan losses | 85,000 | 180,000 | 221,000 | 161,000 |
| Pretax income | 264,000 | 632,000 | 1,162,000 | 1,512,000 |
| Income tax | 39,000 | 106,000 | 232,000 | 333,000 |
| Net income | 225,000 | 526,000 | 930,000 | 1,179,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,059,000 | 30,200,000 | 30,508,000 | 30,867,000 |
| Total capital | 32,543,000 | 32,581,000 | 32,890,000 | 33,268,000 |
| Risk-weighted assets | 197,805,000 | 189,429,000 | 189,448,000 | 191,088,000 |