Call reports 2007
KINDERHOOK STATE BANK — 2007
What KINDERHOOK STATE BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 18,843,000 | 18,872,000 | 19,272,000 | 18,619,000 |
| Total loans | 9,908,000 | 10,608,000 | 11,055,000 | 11,045,000 |
| Allowance for loan losses | 270,000 | 274,000 | 280,000 | 287,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 7,694,000 | 6,667,000 | 6,171,000 | 5,542,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 16,314,000 | 16,282,000 | 16,395,000 | 16,255,000 |
| Interest-bearing deposits | 14,657,000 | 14,282,000 | 14,406,000 | 14,181,000 |
| Noninterest-bearing deposits | 1,657,000 | 2,000,000 | 1,989,000 | 2,075,000 |
| Equity capital | 2,426,000 | 2,448,000 | 2,418,000 | 2,261,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 290,000 | 630,000 | 933,000 | 1,178,000 |
| Interest expense | 146,000 | 296,000 | 445,000 | 595,000 |
| Net interest income | 144,000 | 334,000 | 488,000 | 583,000 |
| Noninterest income | 16,000 | 35,000 | 55,000 | 74,000 |
| Noninterest expense | 202,000 | 388,000 | 593,000 | 829,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -42,000 | -19,000 | -50,000 | -172,000 |
| Income tax | 0 | 0 | 0 | -28,000 |
| Net income | -42,000 | -19,000 | -50,000 | -144,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,426,000 | 2,448,000 | 2,418,000 | 2,261,000 |
| Total capital | 2,572,000 | 2,602,000 | 2,571,000 | 2,426,000 |
| Risk-weighted assets | 11,540,000 | 12,236,000 | 12,121,000 | 13,090,000 |