Call reports 2010
KENDALL BANK — 2010
What KENDALL BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 35,520,000 | 35,594,000 | 36,305,000 | 35,262,000 |
| Total loans | 28,174,000 | 27,902,000 | 28,921,000 | 25,257,000 |
| Allowance for loan losses | 404,000 | 404,000 | 379,000 | 775,000 |
| Securities available for sale | 3,542,000 | 2,614,000 | 2,687,000 | 3,231,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 31,258,000 | 31,551,000 | 32,313,000 | 31,698,000 |
| Interest-bearing deposits | 25,469,000 | 24,150,000 | 25,375,000 | 25,309,000 |
| Noninterest-bearing deposits | 5,789,000 | 7,401,000 | 6,938,000 | 6,389,000 |
| Equity capital | 3,329,000 | 3,121,000 | 3,062,000 | 2,952,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 450,000 | 892,000 | 1,332,000 | 1,735,000 |
| Interest expense | 86,000 | 160,000 | 220,000 | 274,000 |
| Net interest income | 364,000 | 732,000 | 1,112,000 | 1,461,000 |
| Noninterest income | 49,000 | 92,000 | 136,000 | 184,000 |
| Noninterest expense | 354,000 | 685,000 | 1,018,000 | 1,350,000 |
| Provision for loan losses | 116,000 | 380,000 | 538,000 | 1,196,000 |
| Pretax income | -57,000 | -241,000 | -308,000 | -901,000 |
| Income tax | 2,000 | 22,000 | 22,000 | 22,000 |
| Net income | -59,000 | -263,000 | -330,000 | -923,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,247,000 | 3,041,000 | 2,978,000 | 2,765,000 |
| Total capital | 3,605,000 | 3,391,000 | 3,324,000 | 3,081,000 |
| Risk-weighted assets | 28,562,000 | 27,917,000 | 27,643,000 | 24,683,000 |