Call reports 2003
KENDALL BANK — 2003
What KENDALL BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 27,928,000 | 27,716,000 | 28,475,000 | 27,817,000 |
| Total loans | 21,506,000 | 22,049,000 | 22,579,000 | 23,539,000 |
| Allowance for loan losses | 203,000 | 203,000 | 203,000 | 203,000 |
| Securities available for sale | 3,754,000 | 3,239,000 | 2,644,000 | 2,404,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 25,333,000 | 25,037,000 | 25,774,000 | 25,160,000 |
| Interest-bearing deposits | 19,935,000 | 19,906,000 | 20,890,000 | 19,650,000 |
| Noninterest-bearing deposits | 5,398,000 | 5,131,000 | 4,884,000 | 5,510,000 |
| Equity capital | 2,203,000 | 2,258,000 | 2,236,000 | 2,257,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 404,000 | 797,000 | 1,178,000 | 1,562,000 |
| Interest expense | 75,000 | 141,000 | 200,000 | 253,000 |
| Net interest income | 329,000 | 656,000 | 978,000 | 1,309,000 |
| Noninterest income | 42,000 | 74,000 | 106,000 | 135,000 |
| Noninterest expense | 265,000 | 529,000 | 808,000 | 1,099,000 |
| Provision for loan losses | 50,000 | 50,000 | 50,000 | 50,000 |
| Pretax income | 56,000 | 151,000 | 226,000 | 295,000 |
| Income tax | 21,000 | 42,000 | 69,000 | 103,000 |
| Net income | 35,000 | 109,000 | 157,000 | 192,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,128,000 | 2,202,000 | 2,200,000 | 2,235,000 |
| Total capital | 2,331,000 | 2,405,000 | 2,403,000 | 2,438,000 |
| Risk-weighted assets | 21,624,000 | 22,271,000 | 23,408,000 | 23,896,000 |