Call reports 2007
KIT CARSON STATE BANK — 2007
What KIT CARSON STATE BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 51,898,000 | 52,425,000 | 51,610,000 | 53,086,000 |
| Total loans | 29,264,000 | 32,002,000 | 32,187,000 | 30,965,000 |
| Allowance for loan losses | 475,000 | 737,000 | 735,000 | 632,000 |
| Securities available for sale | 16,962,000 | 15,666,000 | 15,700,000 | 14,899,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 45,755,000 | 46,238,000 | 45,169,000 | 46,549,000 |
| Interest-bearing deposits | 40,339,000 | 39,663,000 | 39,284,000 | 39,971,000 |
| Noninterest-bearing deposits | 5,416,000 | 6,575,000 | 5,885,000 | 6,578,000 |
| Equity capital | 5,674,000 | 5,701,000 | 5,863,000 | 5,989,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 814,000 | 1,665,000 | 2,574,000 | 3,407,000 |
| Interest expense | 377,000 | 766,000 | 1,156,000 | 1,523,000 |
| Net interest income | 437,000 | 899,000 | 1,418,000 | 1,884,000 |
| Noninterest income | 59,000 | 134,000 | 225,000 | 291,000 |
| Noninterest expense | 419,000 | 833,000 | 1,266,000 | 1,716,000 |
| Provision for loan losses | 20,000 | 0 | 0 | 0 |
| Pretax income | 57,000 | 200,000 | 377,000 | 459,000 |
| Income tax | 9,000 | 45,000 | 91,000 | 107,000 |
| Net income | 48,000 | 155,000 | 286,000 | 352,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,677,000 | 5,784,000 | 5,824,000 | 5,891,000 |
| Total capital | 6,080,000 | 6,222,000 | 6,263,000 | 6,324,000 |
| Risk-weighted assets | 32,169,000 | 34,775,000 | 34,839,000 | 34,405,000 |