Call reports 2009
KENT BANK — 2009
What KENT 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 | 100,707,000 | 94,840,000 | 92,130,000 | 88,970,000 |
| Total loans | 67,291,000 | 64,325,000 | 63,950,000 | 60,691,000 |
| Allowance for loan losses | 635,000 | 592,000 | 796,000 | 1,186,000 |
| Securities available for sale | 22,966,000 | 21,311,000 | 15,298,000 | 14,129,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 82,326,000 | 78,468,000 | 76,407,000 | 74,999,000 |
| Interest-bearing deposits | 77,675,000 | 73,903,000 | 71,884,000 | 70,080,000 |
| Noninterest-bearing deposits | 4,651,000 | 4,565,000 | 4,523,000 | 4,919,000 |
| Equity capital | 9,398,000 | 9,470,000 | 8,936,000 | 8,295,000 |
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 | 1,314,000 | 2,672,000 | 3,802,000 | 4,957,000 |
| Interest expense | 597,000 | 1,143,000 | 1,636,000 | 2,025,000 |
| Net interest income | 717,000 | 1,529,000 | 2,166,000 | 2,932,000 |
| Noninterest income | -13,000 | -58,000 | 115,000 | 142,000 |
| Noninterest expense | 497,000 | 1,061,000 | 1,606,000 | 1,884,000 |
| Provision for loan losses | -237,000 | -87,000 | 463,000 | 1,493,000 |
| Pretax income | 474,000 | 558,000 | -409,000 | -935,000 |
| Income tax | 3,000 | 6,000 | 6,000 | -10,000 |
| Net income | 471,000 | 552,000 | -415,000 | -925,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,110,000 | 9,191,000 | 8,174,000 | 7,619,000 |
| Total capital | 9,745,000 | 9,783,000 | 8,970,000 | 8,561,000 |
| Risk-weighted assets | 83,207,000 | 80,482,000 | 75,296,000 | 75,098,000 |
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