Call reports 2005
KIT CARSON STATE BANK — 2005
What KIT CARSON STATE BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 50,020,000 | 49,848,000 | 48,885,000 | 49,832,000 |
| Total loans | 29,264,000 | 30,621,000 | 30,281,000 | 28,480,000 |
| Allowance for loan losses | 604,000 | 711,000 | 552,000 | 522,000 |
| Securities available for sale | 15,108,000 | 14,686,000 | 14,467,000 | 16,071,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 44,383,000 | 44,121,000 | 43,442,000 | 44,224,000 |
| Interest-bearing deposits | 38,407,000 | 39,253,000 | 38,418,000 | 38,892,000 |
| Noninterest-bearing deposits | 5,976,000 | 4,868,000 | 5,024,000 | 5,333,000 |
| Equity capital | 5,332,000 | 5,278,000 | 5,151,000 | 5,293,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 686,000 | 1,479,000 | 2,213,000 | 2,959,000 |
| Interest expense | 190,000 | 398,000 | 639,000 | 903,000 |
| Net interest income | 496,000 | 1,081,000 | 1,574,000 | 2,056,000 |
| Noninterest income | 53,000 | 115,000 | 171,000 | 220,000 |
| Noninterest expense | 467,000 | 912,000 | 1,366,000 | 1,761,000 |
| Provision for loan losses | 0 | 100,000 | 335,000 | 235,000 |
| Pretax income | 82,000 | 184,000 | 44,000 | 280,000 |
| Income tax | 22,000 | 52,000 | 4,000 | 80,000 |
| Net income | 60,000 | 132,000 | 40,000 | 200,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,413,000 | 5,310,000 | 5,218,000 | 5,378,000 |
| Total capital | 5,801,000 | 5,731,000 | 5,614,000 | 5,754,000 |
| Risk-weighted assets | 30,796,000 | 33,417,000 | 31,535,000 | 29,916,000 |