Call reports 2002
KENDALL BANK — 2002
What KENDALL BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 27,903,000 | 29,285,000 | 26,862,000 | 27,833,000 |
| Total loans | 17,571,000 | 21,895,000 | 19,151,000 | 21,056,000 |
| Allowance for loan losses | 155,000 | 155,000 | 155,000 | 155,000 |
| Securities available for sale | 5,604,000 | 4,895,000 | 4,865,000 | 4,116,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 25,366,000 | 24,801,000 | 24,224,000 | 24,882,000 |
| Interest-bearing deposits | 20,771,000 | 19,604,000 | 19,817,000 | 20,534,000 |
| Noninterest-bearing deposits | 4,595,000 | 5,197,000 | 4,407,000 | 4,348,000 |
| Equity capital | 2,118,000 | 2,222,000 | 2,170,000 | 2,194,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 418,000 | 900,000 | 1,338,000 | 1,745,000 |
| Interest expense | 126,000 | 237,000 | 345,000 | 437,000 |
| Net interest income | 292,000 | 663,000 | 993,000 | 1,308,000 |
| Noninterest income | 32,000 | 62,000 | 95,000 | 162,000 |
| Noninterest expense | 249,000 | 525,000 | 784,000 | 1,048,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 75,000 | 200,000 | 304,000 | 422,000 |
| Income tax | 17,000 | 56,000 | 89,000 | 135,000 |
| Net income | 58,000 | 144,000 | 215,000 | 287,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,015,000 | 2,102,000 | 2,051,000 | 2,093,000 |
| Total capital | 2,170,000 | 2,257,000 | 2,206,000 | 2,248,000 |
| Risk-weighted assets | 18,896,000 | 22,108,000 | 19,535,000 | 21,444,000 |