Call reports 2021
KS BANK, INC. — 2021
What KS BANK, INC. reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 515,355,000 | 533,406,000 | 558,907,000 | 570,974,000 |
| Total loans | 365,433,000 | 350,095,000 | 353,787,000 | 350,667,000 |
| Allowance for loan losses | 4,764,000 | 4,892,000 | 5,017,000 | 5,022,000 |
| Securities available for sale | 71,460,000 | 79,850,000 | 79,972,000 | 88,320,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 432,012,000 | 452,919,000 | 476,845,000 | 488,005,000 |
| Interest-bearing deposits | 309,800,000 | 324,519,000 | 337,704,000 | 347,060,000 |
| Noninterest-bearing deposits | 122,212,000 | 128,400,000 | 139,141,000 | 140,945,000 |
| Equity capital | 44,284,000 | 44,946,000 | 46,344,000 | 47,335,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 4,801,000 | 9,819,000 | 15,059,000 | 19,933,000 |
| Interest expense | 484,000 | 946,000 | 1,386,000 | 1,777,000 |
| Net interest income | 4,317,000 | 8,873,000 | 13,673,000 | 18,156,000 |
| Noninterest income | 735,000 | 1,505,000 | 2,325,000 | 3,118,000 |
| Noninterest expense | 2,972,000 | 6,111,000 | 9,372,000 | 12,765,000 |
| Provision for loan losses | 123,000 | 246,000 | 369,000 | 369,000 |
| Pretax income | 1,957,000 | 4,021,000 | 6,257,000 | 8,140,000 |
| Income tax | 419,000 | 861,000 | 1,334,000 | 1,708,000 |
| Net income | 1,538,000 | 3,160,000 | 4,923,000 | 6,432,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 43,600,000 | 43,990,000 | 45,494,000 | 46,743,000 |
| Total capital | 48,092,000 | 48,395,000 | 50,073,000 | 51,301,000 |
| Risk-weighted assets | 359,150,000 | 351,954,000 | 365,915,000 | 364,214,000 |