Call reports 2004
KINDERHOOK STATE BANK — 2004
What KINDERHOOK STATE BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 28,239,000 | 26,961,000 | 27,105,000 | 27,904,000 |
| Total loans | 17,983,000 | 17,892,000 | 17,677,000 | 16,060,000 |
| Allowance for loan losses | 200,000 | 262,000 | 253,000 | 400,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 8,337,000 | 7,307,000 | 7,134,000 | 6,963,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 25,902,000 | 23,984,000 | 23,751,000 | 25,093,000 |
| Interest-bearing deposits | 23,522,000 | 21,936,000 | 21,486,000 | 22,015,000 |
| Noninterest-bearing deposits | 2,380,000 | 2,048,000 | 2,265,000 | 3,078,000 |
| Equity capital | 2,243,000 | 2,162,000 | 2,181,000 | 2,695,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 361,000 | 722,000 | 1,078,000 | 1,425,000 |
| Interest expense | 138,000 | 264,000 | 395,000 | 520,000 |
| Net interest income | 223,000 | 458,000 | 683,000 | 905,000 |
| Noninterest income | 13,000 | 50,000 | 83,000 | 126,000 |
| Noninterest expense | 212,000 | 432,000 | 672,000 | 921,000 |
| Provision for loan losses | 0 | 133,000 | 133,000 | 634,000 |
| Pretax income | 24,000 | -57,000 | -39,000 | -524,000 |
| Income tax | 0 | 0 | 0 | -125,000 |
| Net income | 24,000 | -57,000 | -39,000 | -399,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,243,000 | 2,162,000 | 2,181,000 | 2,695,000 |
| Total capital | 2,443,000 | 2,391,000 | 2,407,000 | 2,909,000 |
| Risk-weighted assets | 18,478,000 | 18,283,000 | 18,037,000 | 16,953,000 |