Call reports 2016
KS BANK, INC. — 2016
What KS BANK, INC. reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 345,458,000 | 352,211,000 | 352,033,000 | 359,450,000 |
| Total loans | 255,072,000 | 255,449,000 | 263,994,000 | 269,844,000 |
| Allowance for loan losses | 3,553,000 | 3,551,000 | 3,679,000 | 3,772,000 |
| Securities available for sale | 65,146,000 | 67,642,000 | 66,512,000 | 66,208,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 273,587,000 | 280,491,000 | 277,951,000 | 286,070,000 |
| Interest-bearing deposits | 235,062,000 | 235,775,000 | 233,969,000 | 238,022,000 |
| Noninterest-bearing deposits | 38,525,000 | 44,716,000 | 43,982,000 | 48,048,000 |
| Equity capital | 33,543,000 | 34,407,000 | 34,926,000 | 34,257,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 3,482,000 | 7,003,000 | 10,599,000 | 14,211,000 |
| Interest expense | 613,000 | 1,231,000 | 1,845,000 | 2,470,000 |
| Net interest income | 2,869,000 | 5,772,000 | 8,754,000 | 11,741,000 |
| Noninterest income | 587,000 | 1,464,000 | 2,130,000 | 2,843,000 |
| Noninterest expense | 2,719,000 | 5,557,000 | 8,266,000 | 10,937,000 |
| Provision for loan losses | 5,000 | 5,000 | 5,000 | 5,000 |
| Pretax income | 735,000 | 1,677,000 | 2,587,000 | 3,616,000 |
| Income tax | 248,000 | 603,000 | 922,000 | 1,284,000 |
| Net income | 487,000 | 1,074,000 | 1,665,000 | 2,332,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,416,000 | 32,925,000 | 33,516,000 | 34,100,000 |
| Total capital | 35,570,000 | 36,118,000 | 36,761,000 | 37,449,000 |
| Risk-weighted assets | 251,591,000 | 254,773,000 | 258,859,000 | 267,162,000 |