Call reports 2003
KINDERHOOK STATE BANK — 2003
What KINDERHOOK STATE BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 27,202,000 | 28,143,000 | 28,036,000 | 29,890,000 |
| Total loans | 17,154,000 | 17,610,000 | 17,512,000 | 18,413,000 |
| Allowance for loan losses | 244,000 | 253,000 | 257,000 | 230,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 6,628,000 | 6,962,000 | 6,689,000 | 6,669,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 24,956,000 | 25,851,000 | 25,735,000 | 27,532,000 |
| Interest-bearing deposits | 21,063,000 | 23,770,000 | 23,501,000 | 23,258,000 |
| Noninterest-bearing deposits | 3,893,000 | 2,081,000 | 2,233,000 | 4,273,000 |
| Equity capital | 2,109,000 | 2,122,000 | 2,148,000 | 2,210,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 379,000 | 780,000 | 1,175,000 | 1,561,000 |
| Interest expense | 189,000 | 378,000 | 557,000 | 718,000 |
| Net interest income | 190,000 | 402,000 | 618,000 | 843,000 |
| Noninterest income | 24,000 | 54,000 | 80,000 | 112,000 |
| Noninterest expense | 192,000 | 395,000 | 597,000 | 822,000 |
| Provision for loan losses | 65,000 | 65,000 | 65,000 | 65,000 |
| Pretax income | -43,000 | -4,000 | 36,000 | 68,000 |
| Income tax | 0 | 26,000 | 40,000 | 10,000 |
| Net income | -43,000 | -30,000 | -4,000 | 58,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,109,000 | 2,122,000 | 2,148,000 | 2,210,000 |
| Total capital | 2,328,000 | 2,349,000 | 2,374,000 | 2,440,000 |
| Risk-weighted assets | 17,491,000 | 18,103,000 | 18,051,000 | 19,249,000 |