Call reports 2020
KS BANK, INC. — 2020
What KS BANK, INC. reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 425,961,000 | 468,677,000 | 478,092,000 | 485,473,000 |
| Total loans | 336,506,000 | 364,496,000 | 366,366,000 | 373,238,000 |
| Allowance for loan losses | 4,102,000 | 4,182,000 | 4,252,000 | 4,644,000 |
| Securities available for sale | 65,856,000 | 63,452,000 | 63,712,000 | 71,714,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 346,370,000 | 386,750,000 | 395,164,000 | 403,028,000 |
| Interest-bearing deposits | 265,964,000 | 277,059,000 | 285,905,000 | 285,916,000 |
| Noninterest-bearing deposits | 80,406,000 | 109,691,000 | 109,259,000 | 117,112,000 |
| Equity capital | 41,103,000 | 42,499,000 | 43,423,000 | 43,736,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 4,648,000 | 9,292,000 | 13,987,000 | 19,136,000 |
| Interest expense | 947,000 | 1,777,000 | 2,494,000 | 3,084,000 |
| Net interest income | 3,701,000 | 7,515,000 | 11,493,000 | 16,052,000 |
| Noninterest income | 636,000 | 1,245,000 | 1,922,000 | 2,677,000 |
| Noninterest expense | 2,946,000 | 5,921,000 | 8,933,000 | 12,004,000 |
| Provision for loan losses | 45,000 | 115,000 | 160,000 | 561,000 |
| Pretax income | 1,346,000 | 2,724,000 | 4,326,000 | 6,167,000 |
| Income tax | 290,000 | 583,000 | 930,000 | 1,338,000 |
| Net income | 1,056,000 | 2,141,000 | 3,396,000 | 4,829,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,170,000 | 41,017,000 | 42,045,000 | 42,251,000 |
| Total capital | 44,272,000 | 44,915,000 | 45,999,000 | 46,461,000 |
| Risk-weighted assets | 337,914,000 | 311,587,000 | 316,051,000 | 336,367,000 |