Call reports 2005
KINDERHOOK STATE BANK — 2005
What KINDERHOOK STATE BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 25,307,000 | 24,337,000 | 23,896,000 | 22,494,000 |
| Total loans | 14,063,000 | 13,013,000 | 13,900,000 | 11,315,000 |
| Allowance for loan losses | 405,000 | 349,000 | 415,000 | 414,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 8,011,000 | 7,955,000 | 8,263,000 | 8,004,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 22,486,000 | 21,433,000 | 20,209,000 | 19,675,000 |
| Interest-bearing deposits | 18,411,000 | 19,345,000 | 18,003,000 | 16,982,000 |
| Noninterest-bearing deposits | 4,075,000 | 2,088,000 | 2,206,000 | 2,693,000 |
| Equity capital | 2,712,000 | 2,750,000 | 2,768,000 | 2,707,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 364,000 | 710,000 | 1,039,000 | 1,367,000 |
| Interest expense | 125,000 | 248,000 | 385,000 | 520,000 |
| Net interest income | 239,000 | 462,000 | 654,000 | 847,000 |
| Noninterest income | 20,000 | 39,000 | 63,000 | 121,000 |
| Noninterest expense | 243,000 | 447,000 | 644,000 | 888,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 16,000 | 54,000 | 73,000 | 80,000 |
| Income tax | 0 | 0 | 0 | 13,000 |
| Net income | 16,000 | 54,000 | 73,000 | 67,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,712,000 | 2,750,000 | 2,768,000 | 2,707,000 |
| Total capital | 2,924,000 | 2,934,000 | 2,966,000 | 2,874,000 |
| Risk-weighted assets | 16,735,000 | 14,569,000 | 15,593,000 | 13,083,000 |