Call reports 2023
KS BANK, INC. — 2023
What KS BANK, INC. reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 581,251,000 | 586,583,000 | 605,238,000 | 612,953,000 |
| Total loans | 431,752,000 | 440,782,000 | 455,770,000 | 476,679,000 |
| Allowance for loan losses | 3,437,000 | 3,530,000 | 3,687,000 | 3,765,000 |
| Securities available for sale | 101,131,000 | 97,848,000 | 96,322,000 | 98,047,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 528,463,000 | 533,878,000 | 553,640,000 | 545,489,000 |
| Interest-bearing deposits | 387,764,000 | 401,446,000 | 414,403,000 | 407,278,000 |
| Noninterest-bearing deposits | 140,699,000 | 132,432,000 | 139,237,000 | 138,211,000 |
| Equity capital | 48,011,000 | 48,295,000 | 46,837,000 | 50,869,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 6,795,000 | 14,002,000 | 21,609,000 | 29,499,000 |
| Interest expense | 1,404,000 | 3,347,000 | 5,743,000 | 8,426,000 |
| Net interest income | 5,391,000 | 10,655,000 | 15,866,000 | 21,073,000 |
| Noninterest income | 814,000 | 1,723,000 | 2,613,000 | 3,531,000 |
| Noninterest expense | 3,845,000 | 7,723,000 | 11,648,000 | 15,691,000 |
| Provision for loan losses | 0 | 94,000 | 251,000 | 298,000 |
| Pretax income | 2,360,000 | 4,545,000 | 6,541,000 | 8,623,000 |
| Income tax | 498,000 | 960,000 | 1,367,000 | 1,794,000 |
| Net income | 1,862,000 | 3,585,000 | 5,174,000 | 6,829,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 55,915,000 | 57,103,000 | 58,224,000 | 59,409,000 |