Call reports 2019
KS BANK, INC. — 2019
What KS BANK, INC. reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 396,600,000 | 396,679,000 | 403,996,000 | 403,406,000 |
| Total loans | 301,453,000 | 307,913,000 | 302,588,000 | 311,912,000 |
| Allowance for loan losses | 4,011,000 | 4,041,000 | 4,058,000 | 4,057,000 |
| Securities available for sale | 67,056,000 | 65,710,000 | 65,297,000 | 67,150,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 325,753,000 | 321,192,000 | 328,450,000 | 327,336,000 |
| Interest-bearing deposits | 258,938,000 | 251,405,000 | 251,801,000 | 253,714,000 |
| Noninterest-bearing deposits | 66,815,000 | 69,787,000 | 76,649,000 | 73,622,000 |
| Equity capital | 37,121,000 | 38,814,000 | 38,780,000 | 39,594,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 4,402,000 | 8,892,000 | 13,410,000 | 17,923,000 |
| Interest expense | 1,026,000 | 2,023,000 | 3,021,000 | 4,028,000 |
| Net interest income | 3,376,000 | 6,869,000 | 10,389,000 | 13,895,000 |
| Noninterest income | 648,000 | 1,441,000 | 2,185,000 | 2,882,000 |
| Noninterest expense | 2,784,000 | 5,678,000 | 8,529,000 | 11,383,000 |
| Provision for loan losses | 0 | 25,000 | 25,000 | 25,000 |
| Pretax income | 1,240,000 | 2,607,000 | 4,020,000 | 5,369,000 |
| Income tax | 261,000 | 557,000 | 858,000 | 1,141,000 |
| Net income | 979,000 | 2,050,000 | 3,162,000 | 4,228,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,936,000 | 38,716,000 | 38,563,000 | 39,374,000 |
| Total capital | 41,622,000 | 42,472,000 | 42,278,000 | 43,228,000 |
| Risk-weighted assets | 294,625,000 | 300,261,000 | 296,898,000 | 308,156,000 |