Call reports 2023
KENDALL BANK — 2023
What KENDALL BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 139,482,000 | 138,632,000 | 134,574,000 | 136,789,000 |
| Total loans | 120,387,000 | 123,703,000 | 127,770,000 | 128,092,000 |
| Allowance for loan losses | 1,318,000 | 1,352,000 | 1,360,000 | 1,303,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 124,630,000 | 115,901,000 | 114,162,000 | 115,638,000 |
| Interest-bearing deposits | 96,658,000 | 88,244,000 | 91,437,000 | 95,831,000 |
| Noninterest-bearing deposits | 27,972,000 | 27,657,000 | 22,725,000 | 19,807,000 |
| Equity capital | 14,031,000 | 14,285,000 | 14,532,000 | 14,746,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 2,085,000 | 4,307,000 | 6,606,000 | 9,017,000 |
| Interest expense | 579,000 | 1,273,000 | 2,102,000 | 3,063,000 |
| Net interest income | 1,506,000 | 3,034,000 | 4,504,000 | 5,954,000 |
| Noninterest income | 77,000 | 186,000 | 296,000 | 464,000 |
| Noninterest expense | 1,190,000 | 2,354,000 | 3,595,000 | 4,875,000 |
| Provision for loan losses | 0 | 33,000 | 41,000 | 87,000 |
| Pretax income | 394,000 | 849,000 | 1,170,000 | 1,468,000 |
| Income tax | 0 | 201,000 | 275,000 | 359,000 |
| Net income | 394,000 | 648,000 | 895,000 | 1,109,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,307,000 | 13,545,000 | 13,794,000 | 14,008,000 |
| Total capital | 14,692,000 | — | — | — |
| Risk-weighted assets | 113,558,000 | — | — | — |