Call reports 2012
KENDALL BANK — 2012
What KENDALL BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 33,841,000 | 32,806,000 | 32,951,000 | 33,756,000 |
| Total loans | 21,302,000 | 21,750,000 | 24,016,000 | 24,636,000 |
| Allowance for loan losses | 710,000 | 712,000 | 719,000 | 587,000 |
| Securities available for sale | 1,010,000 | 410,000 | 268,000 | 17,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 31,349,000 | 30,305,000 | 30,389,000 | 31,267,000 |
| Interest-bearing deposits | 21,954,000 | 21,296,000 | 22,120,000 | 22,341,000 |
| Noninterest-bearing deposits | 9,395,000 | 9,009,000 | 8,269,000 | 8,926,000 |
| Equity capital | 2,426,000 | 2,461,000 | 2,489,000 | 2,468,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 359,000 | 681,000 | 1,015,000 | 1,349,000 |
| Interest expense | 33,000 | 65,000 | 95,000 | 124,000 |
| Net interest income | 326,000 | 616,000 | 920,000 | 1,225,000 |
| Noninterest income | 57,000 | 149,000 | 224,000 | 266,000 |
| Noninterest expense | 371,000 | 734,000 | 1,084,000 | 1,497,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 12,000 | 81,000 | 112,000 | 46,000 |
| Income tax | 0 | 0 | 0 | -45,000 |
| Net income | 12,000 | 81,000 | 112,000 | 91,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,073,000 | 2,171,000 | 2,201,000 | 2,229,000 |
| Total capital | 2,338,000 | 2,442,000 | 2,490,000 | 2,519,000 |
| Risk-weighted assets | 20,781,000 | 21,275,000 | 22,651,000 | 22,927,000 |