Call reports 2001
KERNDT BROTHERS SAVINGS BANK — 2001
What KERNDT BROTHERS SAVINGS BANK reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 69,266,000 | 70,615,000 | 72,724,000 | 77,726,000 |
| Total loans | 49,161,000 | 50,396,000 | 52,114,000 | 53,103,000 |
| Allowance for loan losses | 578,000 | 746,000 | 746,000 | 634,000 |
| Securities available for sale | 13,180,000 | 13,303,000 | 11,954,000 | 10,986,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 58,137,000 | 58,660,000 | 59,376,000 | 61,480,000 |
| Interest-bearing deposits | 53,238,000 | 53,558,000 | 54,400,000 | 55,597,000 |
| Noninterest-bearing deposits | 4,899,000 | 5,102,000 | 4,976,000 | 5,883,000 |
| Equity capital | 7,117,000 | 6,940,000 | 6,358,000 | 6,331,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 1,275,000 | 2,564,000 | 3,852,000 | 5,107,000 |
| Interest expense | 743,000 | 1,492,000 | 2,235,000 | 2,958,000 |
| Net interest income | 532,000 | 1,072,000 | 1,617,000 | 2,149,000 |
| Noninterest income | 120,000 | 214,000 | 323,000 | 463,000 |
| Noninterest expense | 422,000 | 796,000 | 1,174,000 | 1,601,000 |
| Provision for loan losses | 42,000 | 71,000 | 71,000 | 71,000 |
| Pretax income | 188,000 | 419,000 | 695,000 | 940,000 |
| Income tax | 11,000 | 20,000 | 38,000 | 49,000 |
| Net income | 177,000 | 399,000 | 657,000 | 891,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,954,000 | 6,775,000 | 6,034,000 | 6,168,000 |
| Total capital | 7,532,000 | 7,404,000 | 6,682,000 | 6,802,000 |
| Risk-weighted assets | 49,342,000 | 50,185,000 | 51,774,000 | 53,266,000 |