Call reports 2003
KIT CARSON STATE BANK — 2003
What KIT CARSON STATE BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 50,210,000 | 51,177,000 | 49,625,000 | 50,099,000 |
| Total loans | 31,529,000 | 33,083,000 | 33,302,000 | 30,614,000 |
| Allowance for loan losses | 575,000 | 610,000 | 618,000 | 640,000 |
| Securities available for sale | 14,197,000 | 14,346,000 | 12,159,000 | 15,097,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 44,806,000 | 45,574,000 | 43,973,000 | 44,707,000 |
| Interest-bearing deposits | 41,415,000 | 41,831,000 | 39,394,000 | 39,726,000 |
| Noninterest-bearing deposits | 3,391,000 | 3,743,000 | 4,579,000 | 4,981,000 |
| Equity capital | 4,988,000 | 5,187,000 | 5,223,000 | 5,069,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 778,000 | 1,565,000 | 2,363,000 | 3,011,000 |
| Interest expense | 217,000 | 419,000 | 604,000 | 776,000 |
| Net interest income | 561,000 | 1,146,000 | 1,759,000 | 2,235,000 |
| Noninterest income | 65,000 | 194,000 | 261,000 | 318,000 |
| Noninterest expense | 378,000 | 815,000 | 1,243,000 | 1,649,000 |
| Provision for loan losses | 60,000 | 100,000 | 160,000 | 450,000 |
| Pretax income | 188,000 | 425,000 | 617,000 | 454,000 |
| Income tax | 50,000 | 113,000 | 174,000 | 121,000 |
| Net income | 138,000 | 312,000 | 443,000 | 333,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,667,000 | 4,839,000 | 4,972,000 | 4,863,000 |
| Total capital | 5,083,000 | 5,244,000 | 5,400,000 | 5,261,000 |
| Risk-weighted assets | 33,137,000 | 32,198,000 | 34,053,000 | 31,590,000 |