Call reports 2002
KINDERHOOK STATE BANK — 2002
What KINDERHOOK STATE BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 27,039,000 | 26,011,000 | 25,695,000 | 26,846,000 |
| Total loans | 17,236,000 | 17,317,000 | 16,782,000 | 16,505,000 |
| Allowance for loan losses | 297,000 | 270,000 | 224,000 | 221,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 6,316,000 | 6,257,000 | 6,560,000 | 6,314,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 24,877,000 | 23,657,000 | 23,372,000 | 24,493,000 |
| Interest-bearing deposits | 22,750,000 | 21,873,000 | 21,583,000 | 21,873,000 |
| Noninterest-bearing deposits | 2,127,000 | 1,784,000 | 1,788,000 | 2,620,000 |
| Equity capital | 1,984,000 | 2,042,000 | 2,136,000 | 2,152,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 472,000 | 934,000 | 1,414,000 | 1,809,000 |
| Interest expense | 257,000 | 486,000 | 699,000 | 905,000 |
| Net interest income | 215,000 | 448,000 | 715,000 | 904,000 |
| Noninterest income | 28,000 | 63,000 | 97,000 | 136,000 |
| Noninterest expense | 166,000 | 361,000 | 558,000 | 753,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 77,000 | 150,000 | 254,000 | 287,000 |
| Income tax | 0 | 15,000 | 25,000 | 42,000 |
| Net income | 77,000 | 135,000 | 229,000 | 245,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,984,000 | 2,042,000 | 2,136,000 | 2,152,000 |
| Total capital | 2,201,000 | 2,256,000 | 2,342,000 | 2,366,000 |
| Risk-weighted assets | 17,307,000 | 17,051,000 | 16,489,000 | 17,134,000 |