Call reports 2008
KIT CARSON STATE BANK — 2008
What KIT CARSON STATE BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 55,145,000 | 53,775,000 | 53,262,000 | 54,765,000 |
| Total loans | 28,606,000 | 30,810,000 | 32,120,000 | 30,874,000 |
| Allowance for loan losses | 633,000 | 620,000 | 611,000 | 455,000 |
| Securities available for sale | 17,061,000 | 17,327,000 | 17,334,000 | 15,577,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 48,548,000 | 47,444,000 | 46,910,000 | 48,228,000 |
| Interest-bearing deposits | 41,539,000 | 40,599,000 | 40,956,000 | 41,028,000 |
| Noninterest-bearing deposits | 7,009,000 | 6,845,000 | 5,954,000 | 7,200,000 |
| Equity capital | 6,078,000 | 5,828,000 | 5,935,000 | 6,114,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 837,000 | 1,656,000 | 2,511,000 | 3,322,000 |
| Interest expense | 352,000 | 647,000 | 912,000 | 1,172,000 |
| Net interest income | 485,000 | 1,009,000 | 1,599,000 | 2,150,000 |
| Noninterest income | 71,000 | 141,000 | 223,000 | 285,000 |
| Noninterest expense | 458,000 | 991,000 | 1,532,000 | 2,072,000 |
| Provision for loan losses | 200,000 | 200,000 | 200,000 | 325,000 |
| Pretax income | -102,000 | -41,000 | 90,000 | 38,000 |
| Income tax | -43,000 | -34,000 | -4,000 | -32,000 |
| Net income | -59,000 | -7,000 | 94,000 | 70,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,832,000 | 5,799,000 | 5,900,000 | 5,877,000 |
| Total capital | 6,254,000 | 6,237,000 | 6,347,000 | 6,318,000 |
| Risk-weighted assets | 33,554,000 | 34,839,000 | 35,560,000 | 35,260,000 |