Call reports 2008
KINDERHOOK STATE BANK — 2008
What KINDERHOOK STATE BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 16,262,000 | 16,068,000 | 16,342,000 | 16,324,000 |
| Total loans | 9,997,000 | 10,292,000 | 11,279,000 | 11,137,000 |
| Allowance for loan losses | 301,000 | 257,000 | 241,000 | 186,000 |
| Securities available for sale | 4,580,000 | 3,845,000 | 3,769,000 | 3,374,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 13,872,000 | 13,767,000 | 13,664,000 | 14,083,000 |
| Interest-bearing deposits | 11,866,000 | 11,934,000 | 11,800,000 | 12,085,000 |
| Noninterest-bearing deposits | 2,006,000 | 1,833,000 | 1,864,000 | 1,999,000 |
| Equity capital | 2,257,000 | 2,193,000 | 2,142,000 | 2,111,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 296,000 | 538,000 | 791,000 | 1,004,000 |
| Interest expense | 131,000 | 254,000 | 365,000 | 476,000 |
| Net interest income | 165,000 | 284,000 | 426,000 | 528,000 |
| Noninterest income | 16,000 | 56,000 | 81,000 | 83,000 |
| Noninterest expense | 214,000 | 392,000 | 605,000 | 782,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -33,000 | -52,000 | -102,000 | -175,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -33,000 | -52,000 | -102,000 | -175,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,230,000 | 2,208,000 | 2,158,000 | 2,086,000 |
| Total capital | 2,370,000 | 2,345,000 | 2,311,000 | 2,236,000 |
| Risk-weighted assets | 11,017,000 | 10,803,000 | 12,137,000 | 11,973,000 |