Call reports 2005
KENT COMMERCE BANK — 2005
What KENT COMMERCE BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 89,832,000 | 85,269,000 | 85,127,000 | 78,948,000 |
| Total loans | 86,184,000 | 81,317,000 | 75,348,000 | 74,385,000 |
| Allowance for loan losses | 1,392,000 | 1,212,000 | 1,240,000 | 1,277,000 |
| Securities available for sale | 977,000 | 983,000 | 979,000 | 980,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 79,104,000 | 68,943,000 | 75,549,000 | 69,350,000 |
| Interest-bearing deposits | 69,932,000 | 59,236,000 | 66,948,000 | 61,461,000 |
| Noninterest-bearing deposits | 9,172,000 | 9,707,000 | 8,601,000 | 7,889,000 |
| Equity capital | 8,216,000 | 8,187,000 | 8,290,000 | 8,341,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,364,000 | 2,909,000 | 4,327,000 | 5,872,000 |
| Interest expense | 463,000 | 991,000 | 1,526,000 | 2,105,000 |
| Net interest income | 901,000 | 1,918,000 | 2,801,000 | 3,767,000 |
| Noninterest income | 79,000 | 199,000 | 315,000 | 431,000 |
| Noninterest expense | 689,000 | 1,325,000 | 1,958,000 | 2,577,000 |
| Provision for loan losses | 132,000 | 453,000 | 431,000 | 589,000 |
| Pretax income | 159,000 | 339,000 | 727,000 | 1,032,000 |
| Income tax | 55,000 | 117,000 | 250,000 | 354,000 |
| Net income | 104,000 | 222,000 | 477,000 | 678,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,435,000 | 7,403,000 | 7,508,000 | 7,559,000 |
| Total capital | 8,489,000 | 8,394,000 | 8,450,000 | 8,508,000 |
| Risk-weighted assets | 84,017,000 | 79,023,000 | 75,097,000 | 75,588,000 |
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