Call reports 2025
KS BANK, INC. — 2025
What KS BANK, INC. reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 721,101,000 | 726,268,000 | 771,684,000 | 821,598,000 |
| Total loans | 566,036,000 | 592,595,000 | 626,956,000 | 669,267,000 |
| Allowance for loan losses | 4,449,000 | 4,667,000 | 4,849,000 | 5,062,000 |
| Securities available for sale | 96,500,000 | 94,545,000 | 94,318,000 | 95,158,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 658,206,000 | 662,490,000 | 703,500,000 | 750,080,000 |
| Interest-bearing deposits | 505,507,000 | 515,997,000 | 547,445,000 | 590,020,000 |
| Noninterest-bearing deposits | 152,699,000 | 146,493,000 | 156,055,000 | 160,060,000 |
| Equity capital | 57,562,000 | 58,755,000 | 62,604,000 | 65,816,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 9,860,000 | 20,471,000 | 31,658,000 | 43,482,000 |
| Interest expense | 3,324,000 | 6,821,000 | 10,522,000 | 14,487,000 |
| Net interest income | 6,536,000 | 13,650,000 | 21,136,000 | 28,995,000 |
| Noninterest income | 992,000 | 2,145,000 | 3,260,000 | 4,463,000 |
| Noninterest expense | 4,486,000 | 9,240,000 | 14,300,000 | 19,612,000 |
| Provision for loan losses | 195,000 | 533,000 | 810,000 | 1,025,000 |
| Pretax income | 2,847,000 | 5,989,000 | 9,294,000 | 12,760,000 |
| Income tax | 634,000 | 1,388,000 | 2,074,000 | 2,850,000 |
| Net income | 2,213,000 | 4,601,000 | 7,220,000 | 9,910,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 65,870,000 | 67,790,000 | 69,929,000 | 72,146,000 |