Call reports 2014
KS BANK, INC. — 2014
What KS BANK, INC. reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 305,881,000 | 308,387,000 | 312,124,000 | 318,203,000 |
| Total loans | 201,892,000 | 209,248,000 | 219,898,000 | 224,917,000 |
| Allowance for loan losses | 3,390,000 | 3,387,000 | 3,454,000 | 3,511,000 |
| Securities available for sale | 80,589,000 | 77,725,000 | 72,218,000 | 72,943,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 235,839,000 | 234,958,000 | 239,718,000 | 249,123,000 |
| Interest-bearing deposits | 204,092,000 | 202,615,000 | 206,691,000 | 215,700,000 |
| Noninterest-bearing deposits | 31,747,000 | 32,343,000 | 33,027,000 | 33,423,000 |
| Equity capital | 32,571,000 | 32,866,000 | 31,082,000 | 31,731,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 3,070,000 | 6,208,000 | 9,467,000 | 12,839,000 |
| Interest expense | 607,000 | 1,196,000 | 1,787,000 | 2,410,000 |
| Net interest income | 2,463,000 | 5,012,000 | 7,680,000 | 10,429,000 |
| Noninterest income | 380,000 | 765,000 | 1,230,000 | 1,708,000 |
| Noninterest expense | 2,635,000 | 5,200,000 | 7,709,000 | 10,277,000 |
| Provision for loan losses | 0 | 0 | 59,000 | 0 |
| Pretax income | 239,000 | 617,000 | 1,208,000 | 1,951,000 |
| Income tax | 47,000 | 160,000 | 309,000 | 555,000 |
| Net income | 192,000 | 457,000 | 899,000 | 1,396,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,851,000 | 31,857,000 | 29,440,000 | 30,810,000 |
| Total capital | 34,320,000 | 34,404,000 | 32,100,000 | 33,541,000 |
| Risk-weighted assets | 196,562,000 | 202,917,000 | 212,025,000 | 217,720,000 |