Call reports 2012
KENT BANK — 2012
What KENT BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 90,295,000 | 91,257,000 | 92,047,000 | 94,326,000 |
| Total loans | 45,931,000 | 45,181,000 | 45,738,000 | 44,742,000 |
| Allowance for loan losses | 571,000 | 303,000 | 405,000 | 478,000 |
| Securities available for sale | 31,549,000 | 35,600,000 | 35,611,000 | 34,602,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 79,012,000 | 79,816,000 | 80,410,000 | 83,252,000 |
| Interest-bearing deposits | 74,059,000 | 75,163,000 | 75,428,000 | 78,088,000 |
| Noninterest-bearing deposits | 4,953,000 | 4,653,000 | 4,982,000 | 5,164,000 |
| Equity capital | 9,837,000 | 10,021,000 | 10,215,000 | 9,674,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 879,000 | 1,715,000 | 2,503,000 | 3,232,000 |
| Interest expense | 182,000 | 360,000 | 529,000 | 669,000 |
| Net interest income | 697,000 | 1,355,000 | 1,974,000 | 2,563,000 |
| Noninterest income | 33,000 | 117,000 | 213,000 | -12,000 |
| Noninterest expense | 578,000 | 1,150,000 | 1,649,000 | 2,279,000 |
| Provision for loan losses | 10,000 | 40,000 | 140,000 | 230,000 |
| Pretax income | 142,000 | 282,000 | 409,000 | 75,000 |
| Income tax | 2,000 | 4,000 | 6,000 | 0 |
| Net income | 140,000 | 278,000 | 403,000 | 75,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,686,000 | 8,824,000 | 8,949,000 | 8,621,000 |
| Total capital | 9,257,000 | 9,127,000 | 9,354,000 | 9,099,000 |
| Risk-weighted assets | 50,352,000 | 49,654,000 | 51,391,000 | 50,932,000 |