Call reports 2013
KENT BANK — 2013
What KENT BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 86,704,000 | 86,510,000 | 83,135,000 | 94,963,000 |
| Total loans | 47,526,000 | 46,330,000 | 42,007,000 | 41,047,000 |
| Allowance for loan losses | 606,000 | 526,000 | 531,000 | 510,000 |
| Securities available for sale | 30,213,000 | 27,854,000 | 31,718,000 | 32,498,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 76,676,000 | 76,683,000 | 73,456,000 | 80,546,000 |
| Interest-bearing deposits | 71,254,000 | 70,361,000 | 68,021,000 | 75,234,000 |
| Noninterest-bearing deposits | 5,422,000 | 6,322,000 | 5,435,000 | 5,312,000 |
| Equity capital | 9,756,000 | 9,748,000 | 9,537,000 | 9,325,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 688,000 | 1,389,000 | 2,060,000 | 2,766,000 |
| Interest expense | 114,000 | 213,000 | 310,000 | 395,000 |
| Net interest income | 574,000 | 1,176,000 | 1,750,000 | 2,371,000 |
| Noninterest income | -336,000 | -221,000 | -74,000 | -118,000 |
| Noninterest expense | 546,000 | 1,030,000 | 1,634,000 | 2,189,000 |
| Provision for loan losses | 385,000 | 560,000 | 620,000 | 695,000 |
| Pretax income | -677,000 | -590,000 | -577,000 | -630,000 |
| Income tax | 0 | 0 | 0 | -8,000 |
| Net income | -677,000 | -590,000 | -577,000 | -622,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,694,000 | 8,781,000 | 8,795,000 | 8,749,000 |
| Total capital | 9,300,000 | 9,307,000 | 9,326,000 | 9,259,000 |
| Risk-weighted assets | 52,341,000 | 51,576,000 | 48,151,000 | 57,483,000 |
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