Call reports 2005
KENDALL BANK — 2005
What KENDALL BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 28,767,000 | 28,398,000 | 28,022,000 | 28,303,000 |
| Total loans | 23,577,000 | 23,339,000 | 23,279,000 | 23,828,000 |
| Allowance for loan losses | 193,000 | 193,000 | 191,000 | 191,000 |
| Securities available for sale | 2,872,000 | 2,866,000 | 2,629,000 | 2,528,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 26,005,000 | 25,573,000 | 25,077,000 | 25,214,000 |
| Interest-bearing deposits | 20,597,000 | 20,446,000 | 20,020,000 | 19,566,000 |
| Noninterest-bearing deposits | 5,408,000 | 5,127,000 | 5,057,000 | 5,648,000 |
| Equity capital | 2,376,000 | 2,465,000 | 2,526,000 | 2,554,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 407,000 | 860,000 | 1,341,000 | 1,845,000 |
| Interest expense | 74,000 | 161,000 | 266,000 | 380,000 |
| Net interest income | 333,000 | 699,000 | 1,075,000 | 1,465,000 |
| Noninterest income | 28,000 | 56,000 | 91,000 | 126,000 |
| Noninterest expense | 278,000 | 560,000 | 873,000 | 1,199,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 83,000 | 195,000 | 293,000 | 392,000 |
| Income tax | 35,000 | 69,000 | 99,000 | 144,000 |
| Net income | 48,000 | 126,000 | 194,000 | 248,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,403,000 | 2,481,000 | 2,549,000 | 2,576,000 |
| Total capital | 2,596,000 | 2,674,000 | 2,740,000 | 2,767,000 |
| Risk-weighted assets | 24,251,000 | 24,083,000 | 23,819,000 | 24,465,000 |