Call reports 2010
KINDERHOOK STATE BANK — 2010
What KINDERHOOK STATE BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 17,161,000 | 15,779,000 | 14,653,000 | 15,958,000 |
| Total loans | 10,029,000 | 9,683,000 | 9,909,000 | 9,107,000 |
| Allowance for loan losses | 121,000 | 121,000 | 113,000 | 87,000 |
| Securities available for sale | 2,979,000 | 2,858,000 | 2,178,000 | 2,292,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 14,564,000 | 14,239,000 | 13,118,000 | 14,416,000 |
| Interest-bearing deposits | 12,442,000 | 11,809,000 | 11,231,000 | 12,240,000 |
| Noninterest-bearing deposits | 2,122,000 | 2,431,000 | 1,888,000 | 2,176,000 |
| Equity capital | 1,723,000 | 1,462,000 | 1,446,000 | 1,432,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 209,000 | 416,000 | 611,000 | 798,000 |
| Interest expense | 81,000 | 155,000 | 215,000 | 273,000 |
| Net interest income | 128,000 | 261,000 | 396,000 | 525,000 |
| Noninterest income | -26,000 | -92,000 | -75,000 | -59,000 |
| Noninterest expense | 197,000 | 547,000 | 714,000 | 854,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -95,000 | -378,000 | -393,000 | -388,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -95,000 | -378,000 | -393,000 | -388,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,702,000 | 1,418,000 | 1,403,000 | 1,410,000 |
| Total capital | 1,823,000 | 1,539,000 | 1,516,000 | 1,497,000 |
| Risk-weighted assets | 11,453,000 | 11,065,000 | 10,973,000 | 10,650,000 |