Call reports 2006
KINDERHOOK STATE BANK — 2006
What KINDERHOOK STATE BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 20,672,000 | 20,152,000 | 20,609,000 | 20,489,000 |
| Total loans | 9,891,000 | 10,319,000 | 10,976,000 | 10,918,000 |
| Allowance for loan losses | 415,000 | 419,000 | 254,000 | 260,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 8,383,000 | 8,525,000 | 8,273,000 | 8,079,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 17,922,000 | 16,739,000 | 16,701,000 | 17,619,000 |
| Interest-bearing deposits | 16,003,000 | 15,134,000 | 15,062,000 | 15,047,000 |
| Noninterest-bearing deposits | 1,919,000 | 1,605,000 | 1,639,000 | 2,572,000 |
| Equity capital | 2,660,000 | 2,648,000 | 2,592,000 | 2,467,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 302,000 | 590,000 | 860,000 | 1,159,000 |
| Interest expense | 127,000 | 256,000 | 406,000 | 557,000 |
| Net interest income | 175,000 | 334,000 | 454,000 | 602,000 |
| Noninterest income | -9,000 | 9,000 | 71,000 | 87,000 |
| Noninterest expense | 213,000 | 402,000 | 640,000 | 855,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -47,000 | -59,000 | -115,000 | -166,000 |
| Income tax | 0 | 0 | 0 | 13,000 |
| Net income | -47,000 | -59,000 | -115,000 | -179,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,660,000 | 2,648,000 | 2,592,000 | 2,467,000 |
| Total capital | 2,810,000 | 2,796,000 | 2,746,000 | 2,622,000 |
| Risk-weighted assets | 11,721,000 | 11,598,000 | 12,208,000 | 12,316,000 |