Call reports 2010
KIT CARSON STATE BANK — 2010
What KIT CARSON STATE BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 60,113,000 | 62,270,000 | 62,254,000 | 65,395,000 |
| Total loans | 37,396,000 | 42,914,000 | 39,903,000 | 40,923,000 |
| Allowance for loan losses | 441,000 | 466,000 | 489,000 | 497,000 |
| Securities available for sale | 16,327,000 | 15,112,000 | 13,340,000 | 11,548,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 52,995,000 | 53,074,000 | 54,552,000 | 57,909,000 |
| Interest-bearing deposits | 46,452,000 | 46,323,000 | 47,578,000 | 48,611,000 |
| Noninterest-bearing deposits | 6,543,000 | 6,751,000 | 6,974,000 | 9,298,000 |
| Equity capital | 6,600,000 | 6,804,000 | 7,068,000 | 6,962,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 843,000 | 1,751,000 | 2,678,000 | 3,546,000 |
| Interest expense | 181,000 | 348,000 | 510,000 | 669,000 |
| Net interest income | 662,000 | 1,403,000 | 2,168,000 | 2,877,000 |
| Noninterest income | 68,000 | 140,000 | 225,000 | 294,000 |
| Noninterest expense | 478,000 | 970,000 | 1,495,000 | 2,232,000 |
| Provision for loan losses | 20,000 | 50,000 | 85,000 | 135,000 |
| Pretax income | 232,000 | 523,000 | 813,000 | 804,000 |
| Income tax | 63,000 | 145,000 | 226,000 | 212,000 |
| Net income | 169,000 | 378,000 | 587,000 | 592,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,325,000 | 6,533,000 | 6,742,000 | 6,746,000 |
| Total capital | 6,765,000 | 6,999,000 | 7,231,000 | 7,243,000 |
| Risk-weighted assets | 41,101,000 | 45,092,000 | 43,597,000 | 43,058,000 |