Call reports 2006
KIT CARSON STATE BANK — 2006
What KIT CARSON STATE BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 50,686,000 | 51,127,000 | 50,040,000 | 51,479,000 |
| Total loans | 28,030,000 | 28,835,000 | 29,105,000 | 28,185,000 |
| Allowance for loan losses | 533,000 | 471,000 | 471,000 | 454,000 |
| Securities available for sale | 17,565,000 | 15,600,000 | 16,785,000 | 18,373,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 45,031,000 | 45,338,000 | 44,027,000 | 45,326,000 |
| Interest-bearing deposits | 38,872,000 | 39,739,000 | 38,744,000 | 39,515,000 |
| Noninterest-bearing deposits | 6,159,000 | 5,599,000 | 5,283,000 | 5,811,000 |
| Equity capital | 5,321,000 | 5,346,000 | 5,544,000 | 5,606,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 733,000 | 1,497,000 | 2,315,000 | 3,137,000 |
| Interest expense | 288,000 | 608,000 | 964,000 | 1,340,000 |
| Net interest income | 445,000 | 889,000 | 1,351,000 | 1,797,000 |
| Noninterest income | 52,000 | 115,000 | 177,000 | 252,000 |
| Noninterest expense | 410,000 | 810,000 | 1,267,000 | 1,709,000 |
| Provision for loan losses | 10,000 | 10,000 | 10,000 | 10,000 |
| Pretax income | 77,000 | 184,000 | 251,000 | 330,000 |
| Income tax | 21,000 | 48,000 | 62,000 | 79,000 |
| Net income | 56,000 | 136,000 | 189,000 | 251,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,434,000 | 5,514,000 | 5,568,000 | 5,629,000 |
| Total capital | 5,817,000 | 5,902,000 | 5,959,000 | 6,016,000 |
| Risk-weighted assets | 30,504,000 | 30,988,000 | 31,226,000 | 30,834,000 |