Call reports 2006
KENDALL BANK — 2006
What KENDALL BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 29,035,000 | 28,884,000 | 28,591,000 | 31,147,000 |
| Total loans | 24,900,000 | 24,968,000 | 24,791,000 | 25,827,000 |
| Allowance for loan losses | 191,000 | 191,000 | 191,000 | 198,000 |
| Securities available for sale | 2,198,000 | 2,464,000 | 2,352,000 | 2,170,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 25,982,000 | 24,586,000 | 24,565,000 | 27,904,000 |
| Interest-bearing deposits | 20,521,000 | 19,523,000 | 19,485,000 | 19,389,000 |
| Noninterest-bearing deposits | 5,461,000 | 5,063,000 | 5,080,000 | 8,515,000 |
| Equity capital | 2,637,000 | 2,711,000 | 2,831,000 | 2,866,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 524,000 | 1,075,000 | 1,673,000 | 2,266,000 |
| Interest expense | 127,000 | 263,000 | 415,000 | 572,000 |
| Net interest income | 397,000 | 812,000 | 1,258,000 | 1,694,000 |
| Noninterest income | 36,000 | 68,000 | 100,000 | 128,000 |
| Noninterest expense | 315,000 | 641,000 | 972,000 | 1,334,000 |
| Provision for loan losses | 0 | 0 | 0 | 10,000 |
| Pretax income | 118,000 | 239,000 | 386,000 | 478,000 |
| Income tax | 36,000 | 82,000 | 124,000 | 180,000 |
| Net income | 82,000 | 157,000 | 262,000 | 298,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,658,000 | 2,733,000 | 2,838,000 | 2,873,000 |
| Total capital | 2,849,000 | 2,924,000 | 3,029,000 | 3,071,000 |
| Risk-weighted assets | 25,486,000 | 25,780,000 | 25,669,000 | 27,227,000 |