Call reports 2016
KENDALL BANK — 2016
What KENDALL BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 36,844,000 | 35,821,000 | 35,686,000 | 38,263,000 |
| Total loans | 20,915,000 | 22,054,000 | 21,884,000 | 24,731,000 |
| Allowance for loan losses | 298,000 | 304,000 | 286,000 | 287,000 |
| Securities available for sale | 407,000 | 408,000 | 406,000 | 571,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 32,616,000 | 32,099,000 | 31,877,000 | 34,494,000 |
| Interest-bearing deposits | 20,688,000 | 18,951,000 | 20,041,000 | 21,156,000 |
| Noninterest-bearing deposits | 11,928,000 | 13,148,000 | 11,836,000 | 13,338,000 |
| Equity capital | 3,623,000 | 3,679,000 | 3,721,000 | 3,723,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 348,000 | 688,000 | 1,056,000 | 1,416,000 |
| Interest expense | 17,000 | 32,000 | 47,000 | 61,000 |
| Net interest income | 331,000 | 656,000 | 1,009,000 | 1,355,000 |
| Noninterest income | 67,000 | 112,000 | 139,000 | 162,000 |
| Noninterest expense | 314,000 | 614,000 | 945,000 | 1,301,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 84,000 | 154,000 | 203,000 | 216,000 |
| Income tax | 13,000 | 28,000 | 35,000 | 43,000 |
| Net income | 71,000 | 126,000 | 168,000 | 173,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,145,000 | 3,214,000 | 3,265,000 | 3,279,000 |
| Total capital | 3,412,000 | 3,491,000 | 3,544,000 | 3,566,000 |
| Risk-weighted assets | 21,015,000 | 21,864,000 | 22,014,000 | 25,056,000 |