Call reports 2008
KENDALL BANK — 2008
What KENDALL BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 35,590,000 | 37,761,000 | 37,638,000 | 35,822,000 |
| Total loans | 30,284,000 | 32,371,000 | 33,391,000 | 27,445,000 |
| Allowance for loan losses | 220,000 | 240,000 | 892,000 | 403,000 |
| Securities available for sale | 3,553,000 | 3,464,000 | 2,869,000 | 2,535,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 32,043,000 | 31,625,000 | 32,017,000 | 31,318,000 |
| Interest-bearing deposits | 26,643,000 | 25,875,000 | 26,787,000 | 25,014,000 |
| Noninterest-bearing deposits | 5,400,000 | 5,750,000 | 5,230,000 | 6,304,000 |
| Equity capital | 3,028,000 | 3,585,000 | 3,268,000 | 3,526,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 628,000 | 1,206,000 | 1,753,000 | 2,273,000 |
| Interest expense | 208,000 | 395,000 | 580,000 | 737,000 |
| Net interest income | 420,000 | 811,000 | 1,173,000 | 1,536,000 |
| Noninterest income | 43,000 | 73,000 | 106,000 | 159,000 |
| Noninterest expense | 333,000 | 660,000 | 958,000 | 1,251,000 |
| Provision for loan losses | 5,000 | 25,000 | 693,000 | 1,997,000 |
| Pretax income | 125,000 | 199,000 | -372,000 | -1,553,000 |
| Income tax | 35,000 | 117,000 | -133,000 | -585,000 |
| Net income | 90,000 | 82,000 | -239,000 | -968,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,996,000 | 3,588,000 | 3,267,000 | 3,488,000 |
| Total capital | 3,216,000 | 3,828,000 | 3,692,000 | 3,849,000 |
| Risk-weighted assets | 31,507,000 | 33,229,000 | 33,524,000 | 28,799,000 |