Call reports 2004
KENDALL BANK — 2004
What KENDALL BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 27,986,000 | 27,390,000 | 27,555,000 | 28,372,000 |
| Total loans | 24,820,000 | 23,240,000 | 22,569,000 | 21,382,000 |
| Allowance for loan losses | 201,000 | 201,000 | 196,000 | 193,000 |
| Securities available for sale | 1,825,000 | 2,126,000 | 2,211,000 | 2,620,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 25,316,000 | 24,729,000 | 24,781,000 | 25,702,000 |
| Interest-bearing deposits | 20,379,000 | 19,984,000 | 19,703,000 | 20,528,000 |
| Noninterest-bearing deposits | 4,937,000 | 4,745,000 | 5,078,000 | 5,174,000 |
| Equity capital | 2,283,000 | 2,305,000 | 2,373,000 | 2,341,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 394,000 | 776,000 | 1,183,000 | 1,604,000 |
| Interest expense | 51,000 | 101,000 | 154,000 | 216,000 |
| Net interest income | 343,000 | 675,000 | 1,029,000 | 1,388,000 |
| Noninterest income | 31,000 | 61,000 | 94,000 | 125,000 |
| Noninterest expense | 276,000 | 566,000 | 852,000 | 1,147,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 98,000 | 170,000 | 271,000 | 366,000 |
| Income tax | 27,000 | 56,000 | 88,000 | 138,000 |
| Net income | 71,000 | 114,000 | 183,000 | 228,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,269,000 | 2,312,000 | 2,381,000 | 2,355,000 |
| Total capital | 2,470,000 | 2,513,000 | 2,577,000 | 2,548,000 |
| Risk-weighted assets | 24,816,000 | 23,436,000 | 22,886,000 | 22,264,000 |