Call reports 2001
KINDERHOOK STATE BANK — 2001
What KINDERHOOK STATE BANK reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 26,503,000 | 27,013,000 | 27,091,000 | 27,268,000 |
| Total loans | 17,479,000 | 18,447,000 | 18,990,000 | 18,733,000 |
| Allowance for loan losses | 176,000 | 175,000 | 174,000 | 300,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 6,783,000 | 6,847,000 | 5,762,000 | 5,522,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 24,256,000 | 24,762,000 | 24,807,000 | 25,112,000 |
| Interest-bearing deposits | 22,308,000 | 23,085,000 | 22,900,000 | 22,998,000 |
| Noninterest-bearing deposits | 1,948,000 | 1,677,000 | 1,907,000 | 2,114,000 |
| Equity capital | 1,936,000 | 1,990,000 | 2,080,000 | 1,907,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 517,000 | 1,051,000 | 1,571,000 | 2,072,000 |
| Interest expense | 316,000 | 645,000 | 959,000 | 1,256,000 |
| Net interest income | 201,000 | 406,000 | 612,000 | 816,000 |
| Noninterest income | 26,000 | 60,000 | 93,000 | 117,000 |
| Noninterest expense | 156,000 | 320,000 | 458,000 | 715,000 |
| Provision for loan losses | 53,000 | 53,000 | 53,000 | 197,000 |
| Pretax income | 18,000 | 93,000 | 194,000 | 21,000 |
| Income tax | 0 | 21,000 | 31,000 | 32,000 |
| Net income | 18,000 | 72,000 | 163,000 | -11,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,936,000 | 1,990,000 | 2,080,000 | 1,907,000 |
| Total capital | 2,112,000 | 2,165,000 | 2,254,000 | 2,139,000 |
| Risk-weighted assets | 18,257,000 | 18,592,000 | 18,972,000 | 18,451,000 |