Call reports 2005
KENT BANK — 2005
What KENT 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 | 88,722,000 | 89,881,000 | 92,496,000 | 90,917,000 |
| Total loans | 58,913,000 | 60,890,000 | 60,068,000 | 59,306,000 |
| Allowance for loan losses | 376,000 | 370,000 | 441,000 | 408,000 |
| Securities available for sale | 20,768,000 | 19,998,000 | 23,311,000 | 25,602,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 69,325,000 | 69,907,000 | 70,155,000 | 70,479,000 |
| Interest-bearing deposits | 64,946,000 | 65,286,000 | 65,067,000 | 65,446,000 |
| Noninterest-bearing deposits | 4,379,000 | 4,621,000 | 5,088,000 | 5,033,000 |
| Equity capital | 8,814,000 | 9,351,000 | 9,661,000 | 9,292,000 |
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 | 1,222,000 | 2,458,000 | 3,782,000 | 5,111,000 |
| Interest expense | 428,000 | 874,000 | 1,374,000 | 1,913,000 |
| Net interest income | 794,000 | 1,584,000 | 2,408,000 | 3,198,000 |
| Noninterest income | -5,000 | 94,000 | 197,000 | 272,000 |
| Noninterest expense | 376,000 | 787,000 | 1,163,000 | 1,665,000 |
| Provision for loan losses | 180,000 | 180,000 | 255,000 | 255,000 |
| Pretax income | 231,000 | 713,000 | 1,189,000 | 1,546,000 |
| Income tax | 3,000 | 10,000 | 17,000 | -45,000 |
| Net income | 228,000 | 703,000 | 1,172,000 | 1,591,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,795,000 | 8,270,000 | 8,739,000 | 8,558,000 |
| Total capital | 8,171,000 | 8,640,000 | 9,180,000 | 8,966,000 |
| Risk-weighted assets | 70,138,000 | 70,448,000 | 67,964,000 | 63,858,000 |
Machine access — free, no API key
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