Call reports 2011
KINDERHOOK STATE BANK — 2011
What KINDERHOOK STATE BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 15,485,000 | 15,522,000 | 15,124,000 | 15,213,000 |
| Total loans | 8,424,000 | 8,893,000 | 8,865,000 | 9,500,000 |
| Allowance for loan losses | 79,000 | 80,000 | 81,000 | 82,000 |
| Securities available for sale | 2,535,000 | 2,929,000 | 2,286,000 | 2,489,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 13,953,000 | 14,032,000 | 13,654,000 | 13,712,000 |
| Interest-bearing deposits | 11,829,000 | 11,995,000 | 11,461,000 | 10,873,000 |
| Noninterest-bearing deposits | 2,123,000 | 2,037,000 | 2,193,000 | 2,839,000 |
| Equity capital | 1,417,000 | 1,415,000 | 1,425,000 | 1,403,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 178,000 | 345,000 | 519,000 | 683,000 |
| Interest expense | 54,000 | 107,000 | 156,000 | 202,000 |
| Net interest income | 124,000 | 238,000 | 363,000 | 481,000 |
| Noninterest income | 17,000 | 59,000 | 85,000 | 99,000 |
| Noninterest expense | 149,000 | 333,000 | 476,000 | 627,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -8,000 | -36,000 | -28,000 | -47,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -8,000 | -36,000 | -28,000 | -47,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,401,000 | 1,374,000 | 1,381,000 | 1,359,000 |
| Total capital | 1,480,000 | 1,454,000 | 1,462,000 | 1,441,000 |
| Risk-weighted assets | 9,825,000 | 10,181,000 | 10,011,000 | 10,788,000 |