Call reports 2004
KIT CARSON STATE BANK — 2004
What KIT CARSON STATE BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 48,792,000 | 48,396,000 | 48,042,000 | 48,781,000 |
| Total loans | 30,226,000 | 30,428,000 | 32,194,000 | 30,891,000 |
| Allowance for loan losses | 648,000 | 613,000 | 629,000 | 598,000 |
| Securities available for sale | 15,158,000 | 13,442,000 | 13,041,000 | 12,494,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 43,279,000 | 42,960,000 | 41,832,000 | 43,113,000 |
| Interest-bearing deposits | 39,004,000 | 38,793,000 | 37,368,000 | 37,868,000 |
| Noninterest-bearing deposits | 4,275,000 | 4,167,000 | 4,464,000 | 5,245,000 |
| Equity capital | 5,224,000 | 5,177,000 | 5,313,000 | 5,366,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 712,000 | 1,418,000 | 2,165,000 | 2,867,000 |
| Interest expense | 165,000 | 322,000 | 482,000 | 654,000 |
| Net interest income | 547,000 | 1,096,000 | 1,683,000 | 2,213,000 |
| Noninterest income | 54,000 | 116,000 | 188,000 | 249,000 |
| Noninterest expense | 409,000 | 790,000 | 1,288,000 | 1,716,000 |
| Provision for loan losses | 0 | 0 | 20,000 | 20,000 |
| Pretax income | 192,000 | 422,000 | 563,000 | 729,000 |
| Income tax | 61,000 | 138,000 | 183,000 | 239,000 |
| Net income | 131,000 | 284,000 | 380,000 | 490,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,995,000 | 5,147,000 | 5,244,000 | 5,353,000 |
| Total capital | 5,392,000 | 5,550,000 | 5,654,000 | 5,759,000 |
| Risk-weighted assets | 31,535,000 | 32,056,000 | 32,596,000 | 32,271,000 |