Call reports 2012
KINDERHOOK STATE BANK — 2012
What KINDERHOOK STATE BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 14,952,000 | 16,254,000 | 15,524,000 | 17,935,000 |
| Total loans | 8,105,000 | 8,209,000 | 8,648,000 | 9,116,000 |
| Allowance for loan losses | 82,000 | 80,000 | 80,000 | 80,000 |
| Securities available for sale | 2,375,000 | 2,240,000 | 1,828,000 | 1,574,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 13,490,000 | 14,691,000 | 14,059,000 | 16,515,000 |
| Interest-bearing deposits | 11,058,000 | 12,491,000 | 11,956,000 | 12,681,000 |
| Noninterest-bearing deposits | 2,432,000 | 2,200,000 | 2,103,000 | 3,833,000 |
| Equity capital | 1,418,000 | 1,430,000 | 1,436,000 | 1,392,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 153,000 | 301,000 | 457,000 | 606,000 |
| Interest expense | 41,000 | 75,000 | 107,000 | 138,000 |
| Net interest income | 112,000 | 226,000 | 350,000 | 468,000 |
| Noninterest income | 20,000 | 47,000 | 69,000 | 87,000 |
| Noninterest expense | 130,000 | 260,000 | 404,000 | 575,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 2,000 | 13,000 | 15,000 | -20,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 2,000 | 13,000 | 15,000 | -20,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,361,000 | 1,371,000 | 1,374,000 | 1,339,000 |
| Total capital | 1,443,000 | 1,451,000 | 1,454,000 | 1,419,000 |
| Risk-weighted assets | 9,695,000 | 9,747,000 | 10,126,000 | 10,812,000 |