Call reports 2015
KENDALL BANK — 2015
What KENDALL BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 38,853,000 | 36,662,000 | 36,609,000 | 36,220,000 |
| Total loans | 25,457,000 | 22,402,000 | 20,180,000 | 21,502,000 |
| Allowance for loan losses | 325,000 | 323,000 | 320,000 | 320,000 |
| Securities available for sale | 409,000 | 407,000 | 408,000 | 405,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 35,329,000 | 32,980,000 | 32,865,000 | 32,047,000 |
| Interest-bearing deposits | 22,551,000 | 21,038,000 | 20,508,000 | 19,934,000 |
| Noninterest-bearing deposits | 12,778,000 | 11,942,000 | 12,357,000 | 12,113,000 |
| Equity capital | 2,879,000 | 3,054,000 | 3,089,000 | 3,550,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 360,000 | 722,000 | 1,068,000 | 1,421,000 |
| Interest expense | 20,000 | 41,000 | 61,000 | 78,000 |
| Net interest income | 340,000 | 681,000 | 1,007,000 | 1,343,000 |
| Noninterest income | 38,000 | 96,000 | 129,000 | 603,000 |
| Noninterest expense | 317,000 | 621,000 | 922,000 | 1,272,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 61,000 | 156,000 | 214,000 | 674,000 |
| Income tax | 0 | -81,000 | -57,000 | -59,000 |
| Net income | 61,000 | 237,000 | 271,000 | 733,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,700,000 | 2,621,000 | 2,628,000 | 3,087,000 |
| Total capital | 3,009,000 | 2,905,000 | 2,889,000 | 3,362,000 |
| Risk-weighted assets | 24,761,000 | 22,688,000 | 20,516,000 | 21,684,000 |