Call reports 2007
KENDALL BANK — 2007
What KENDALL BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 29,326,000 | 32,334,000 | 33,368,000 | 36,051,000 |
| Total loans | 25,581,000 | 28,404,000 | 28,082,000 | 28,084,000 |
| Allowance for loan losses | 203,000 | 215,000 | 215,000 | 215,000 |
| Securities available for sale | 2,242,000 | 2,205,000 | 2,191,000 | 3,102,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 26,042,000 | 28,819,000 | 30,006,000 | 32,698,000 |
| Interest-bearing deposits | 20,947,000 | 23,798,000 | 24,916,000 | 25,401,000 |
| Noninterest-bearing deposits | 5,095,000 | 5,021,000 | 5,090,000 | 7,297,000 |
| Equity capital | 2,631,000 | 2,682,000 | 2,810,000 | 2,907,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 604,000 | 1,227,000 | 1,921,000 | 2,610,000 |
| Interest expense | 167,000 | 353,000 | 570,000 | 788,000 |
| Net interest income | 437,000 | 874,000 | 1,351,000 | 1,822,000 |
| Noninterest income | 31,000 | 67,000 | 105,000 | 147,000 |
| Noninterest expense | 361,000 | 719,000 | 1,076,000 | 1,448,000 |
| Provision for loan losses | 5,000 | 17,000 | 17,000 | 17,000 |
| Pretax income | 102,000 | 205,000 | 363,000 | 504,000 |
| Income tax | 38,000 | 87,000 | 125,000 | 172,000 |
| Net income | 64,000 | 118,000 | 238,000 | 332,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,637,000 | 2,691,000 | 2,812,000 | 2,907,000 |
| Total capital | 2,840,000 | 2,906,000 | 3,027,000 | 3,122,000 |
| Risk-weighted assets | 26,603,000 | 29,511,000 | 29,535,000 | 29,607,000 |