Call reports 2009
KENDALL BANK — 2009
What KENDALL BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 36,857,000 | 36,501,000 | 34,110,000 | 34,479,000 |
| Total loans | 28,453,000 | 27,997,000 | 26,866,000 | 27,291,000 |
| Allowance for loan losses | 403,000 | 403,000 | 403,000 | 403,000 |
| Securities available for sale | 2,528,000 | 2,820,000 | 2,954,000 | 3,303,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 32,332,000 | 32,188,000 | 29,774,000 | 30,164,000 |
| Interest-bearing deposits | 25,700,000 | 25,995,000 | 24,178,000 | 24,691,000 |
| Noninterest-bearing deposits | 6,632,000 | 6,193,000 | 5,596,000 | 5,473,000 |
| Equity capital | 3,538,000 | 3,344,000 | 3,357,000 | 3,390,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 440,000 | 888,000 | 1,339,000 | 1,782,000 |
| Interest expense | 130,000 | 254,000 | 358,000 | 448,000 |
| Net interest income | 310,000 | 634,000 | 981,000 | 1,334,000 |
| Noninterest income | 43,000 | 100,000 | 148,000 | 200,000 |
| Noninterest expense | 287,000 | 645,000 | 959,000 | 1,331,000 |
| Provision for loan losses | 202,000 | 409,000 | 712,000 | 712,000 |
| Pretax income | -136,000 | -320,000 | -542,000 | -509,000 |
| Income tax | -161,000 | -191,000 | -205,000 | -218,000 |
| Net income | 25,000 | -129,000 | -337,000 | -291,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,512,000 | 3,308,000 | 3,299,000 | 3,306,000 |
| Total capital | 3,883,000 | 3,674,000 | 3,608,000 | 3,655,000 |
| Risk-weighted assets | 29,650,000 | 29,262,000 | 27,500,000 | 27,827,000 |