Call reports 2009
KIT CARSON STATE BANK — 2009
What KIT CARSON STATE BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 55,940,000 | 57,231,000 | 60,151,000 | 59,794,000 |
| Total loans | 29,670,000 | 32,482,000 | 36,088,000 | 34,893,000 |
| Allowance for loan losses | 430,000 | 389,000 | 420,000 | 420,000 |
| Securities available for sale | 19,190,000 | 19,679,000 | 19,614,000 | 18,955,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 49,381,000 | 50,475,000 | 52,427,000 | 52,945,000 |
| Interest-bearing deposits | 42,292,000 | 44,383,000 | 45,673,000 | 45,772,000 |
| Noninterest-bearing deposits | 7,089,000 | 6,092,000 | 6,754,000 | 7,173,000 |
| Equity capital | 6,148,000 | 6,057,000 | 6,325,000 | 6,383,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 769,000 | 1,563,000 | 2,437,000 | 3,287,000 |
| Interest expense | 239,000 | 472,000 | 700,000 | 911,000 |
| Net interest income | 530,000 | 1,091,000 | 1,737,000 | 2,376,000 |
| Noninterest income | 58,000 | 120,000 | 227,000 | 301,000 |
| Noninterest expense | 529,000 | 1,086,000 | 1,623,000 | 2,171,000 |
| Provision for loan losses | 25,000 | 135,000 | 165,000 | 165,000 |
| Pretax income | 34,000 | -10,000 | 176,000 | 341,000 |
| Income tax | 3,000 | -26,000 | 22,000 | 63,000 |
| Net income | 31,000 | 16,000 | 154,000 | 278,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,908,000 | 5,892,000 | 6,031,000 | 6,155,000 |
| Total capital | 6,329,000 | 6,281,000 | 6,451,000 | 6,575,000 |
| Risk-weighted assets | 33,693,000 | 36,376,000 | 40,293,000 | 39,223,000 |