Call reports 2008
KENNEY BANK AND TRUST — 2008
What KENNEY BANK AND TRUST 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 | 51,753,000 | 54,585,000 | 58,995,000 | 41,650,000 |
| Total loans | 24,941,000 | 23,146,000 | 25,301,000 | 25,587,000 |
| Allowance for loan losses | 344,000 | 419,000 | 462,000 | 481,000 |
| Securities available for sale | 200,000 | 201,000 | 200,000 | 200,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 43,100,000 | 45,947,000 | 50,309,000 | 33,003,000 |
| Interest-bearing deposits | 3,572,000 | 4,256,000 | 4,855,000 | 4,388,000 |
| Noninterest-bearing deposits | 39,528,000 | 41,691,000 | 45,454,000 | 28,615,000 |
| Equity capital | 8,071,000 | 8,149,000 | 8,159,000 | 8,063,000 |
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 | 540,000 | 988,000 | 1,443,000 | 1,857,000 |
| Interest expense | 23,000 | 50,000 | 80,000 | 109,000 |
| Net interest income | 517,000 | 938,000 | 1,363,000 | 1,748,000 |
| Noninterest income | 211,000 | 469,000 | 678,000 | 945,000 |
| Noninterest expense | 481,000 | 972,000 | 1,516,000 | 2,244,000 |
| Provision for loan losses | 70,000 | 145,000 | 220,000 | 295,000 |
| Pretax income | 177,000 | 290,000 | 305,000 | 154,000 |
| Income tax | 70,000 | 107,000 | 110,000 | 55,000 |
| Net income | 107,000 | 183,000 | 195,000 | 99,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,610,000 | 7,671,000 | 7,686,000 | 7,594,000 |
| Total capital | 7,954,000 | 8,032,000 | 8,122,000 | 7,984,000 |
| Risk-weighted assets | 39,837,000 | 35,394,000 | 34,855,000 | 31,076,000 |