Call reports 2010
KENT BANK — 2010
What KENT 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 | 88,106,000 | 89,615,000 | 88,701,000 | 89,240,000 |
| Total loans | 63,220,000 | 63,596,000 | 63,966,000 | 60,259,000 |
| Allowance for loan losses | 1,334,000 | 794,000 | 790,000 | 779,000 |
| Securities available for sale | 16,375,000 | 15,734,000 | 15,651,000 | 17,777,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 75,608,000 | 76,274,000 | 75,040,000 | 75,531,000 |
| Interest-bearing deposits | 63,853,000 | 71,192,000 | 70,433,000 | 70,586,000 |
| Noninterest-bearing deposits | 11,755,000 | 5,082,000 | 4,607,000 | 4,945,000 |
| Equity capital | 7,868,000 | 8,748,000 | 9,045,000 | 9,250,000 |
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 | 1,086,000 | 2,207,000 | 3,341,000 | 4,444,000 |
| Interest expense | 329,000 | 637,000 | 914,000 | 1,169,000 |
| Net interest income | 757,000 | 1,570,000 | 2,427,000 | 3,275,000 |
| Noninterest income | -69,000 | -112,000 | -7,000 | 46,000 |
| Noninterest expense | 523,000 | 1,098,000 | 1,632,000 | 2,189,000 |
| Provision for loan losses | 260,000 | 260,000 | 560,000 | 560,000 |
| Pretax income | -80,000 | 6,000 | 127,000 | 442,000 |
| Income tax | 4,000 | 4,000 | 4,000 | -7,000 |
| Net income | -84,000 | 2,000 | 123,000 | 449,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,504,000 | 7,990,000 | 8,112,000 | 8,438,000 |
| Total capital | 8,432,000 | 8,784,000 | 8,902,000 | 9,206,000 |
| Risk-weighted assets | 73,797,000 | 66,590,000 | 65,327,000 | 61,424,000 |
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