Call reports 2015
KS BANK, INC. — 2015
What KS BANK, INC. reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 325,292,000 | 323,471,000 | 330,390,000 | 337,186,000 |
| Total loans | 227,712,000 | 229,468,000 | 242,331,000 | 251,166,000 |
| Allowance for loan losses | 3,511,000 | 3,509,000 | 3,434,000 | 3,535,000 |
| Securities available for sale | 71,602,000 | 71,186,000 | 68,879,000 | 67,582,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 255,268,000 | 254,911,000 | 259,715,000 | 257,852,000 |
| Interest-bearing deposits | 221,684,000 | 220,802,000 | 224,881,000 | 221,707,000 |
| Noninterest-bearing deposits | 33,584,000 | 34,109,000 | 34,834,000 | 36,145,000 |
| Equity capital | 32,309,000 | 32,102,000 | 32,783,000 | 32,788,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 3,288,000 | 6,586,000 | 9,949,000 | 13,378,000 |
| Interest expense | 600,000 | 1,200,000 | 1,803,000 | 2,408,000 |
| Net interest income | 2,688,000 | 5,386,000 | 8,146,000 | 10,970,000 |
| Noninterest income | 410,000 | 877,000 | 1,374,000 | 2,106,000 |
| Noninterest expense | 2,563,000 | 5,180,000 | 7,813,000 | 10,516,000 |
| Provision for loan losses | 0 | 0 | 0 | 114,000 |
| Pretax income | 535,000 | 1,083,000 | 1,707,000 | 2,446,000 |
| Income tax | 162,000 | 322,000 | 551,000 | 823,000 |
| Net income | 373,000 | 761,000 | 1,156,000 | 1,623,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,517,000 | 31,171,000 | 31,494,000 | 31,889,000 |
| Total capital | 34,297,000 | 33,923,000 | 34,528,000 | 35,007,000 |
| Risk-weighted assets | 221,667,000 | 218,793,000 | 241,657,000 | 248,436,000 |