Call reports 2019
KENDALL BANK — 2019
What KENDALL BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 35,810,000 | 36,486,000 | 36,081,000 | 39,744,000 |
| Total loans | 23,920,000 | 24,419,000 | 23,592,000 | 23,686,000 |
| Allowance for loan losses | 372,000 | 372,000 | 372,000 | 0 |
| Securities available for sale | 132,000 | 66,000 | 66,000 | 66,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 32,276,000 | 32,952,000 | 32,518,000 | 34,700,000 |
| Interest-bearing deposits | 23,812,000 | 23,292,000 | 24,484,000 | 23,796,000 |
| Noninterest-bearing deposits | 8,464,000 | 9,660,000 | 8,034,000 | 10,904,000 |
| Equity capital | 3,457,000 | 3,473,000 | 3,477,000 | 4,960,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 422,000 | 852,000 | 1,305,000 | 163,000 |
| Interest expense | 42,000 | 89,000 | 140,000 | 29,000 |
| Net interest income | 380,000 | 763,000 | 1,165,000 | 134,000 |
| Noninterest income | 31,000 | 65,000 | 99,000 | 11,000 |
| Noninterest expense | 411,000 | 818,000 | 1,253,000 | 209,000 |
| Provision for loan losses | 301,000 | 301,000 | 301,000 | 0 |
| Pretax income | -196,000 | -185,000 | -181,000 | -63,000 |
| Income tax | 78,000 | 59,000 | 59,000 | 0 |
| Net income | -274,000 | -244,000 | -240,000 | -63,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,277,000 | 3,236,000 | 3,240,000 | 3,923,000 |
| Total capital | 3,587,000 | 3,549,000 | 3,548,000 | 3,923,000 |
| Risk-weighted assets | 24,739,000 | 24,944,000 | 24,537,000 | 25,255,000 |