Call reports 2002
KERNDT BROTHERS SAVINGS BANK — 2002
What KERNDT BROTHERS SAVINGS BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 78,013,000 | 78,838,000 | 78,688,000 | 83,096,000 |
| Total loans | 57,471,000 | 57,359,000 | 57,632,000 | 57,599,000 |
| Allowance for loan losses | 710,000 | 733,000 | 743,000 | 760,000 |
| Securities available for sale | 10,365,000 | 10,495,000 | 12,227,000 | 13,820,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 61,734,000 | 62,528,000 | 62,149,000 | 65,659,000 |
| Interest-bearing deposits | 56,243,000 | 57,204,000 | 56,363,000 | 59,797,000 |
| Noninterest-bearing deposits | 5,491,000 | 5,324,000 | 5,786,000 | 5,862,000 |
| Equity capital | 6,395,000 | 6,421,000 | 6,683,000 | 6,851,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 1,222,000 | 2,482,000 | 3,758,000 | 4,989,000 |
| Interest expense | 675,000 | 1,331,000 | 1,974,000 | 2,587,000 |
| Net interest income | 547,000 | 1,151,000 | 1,784,000 | 2,402,000 |
| Noninterest income | 101,000 | 209,000 | 327,000 | 435,000 |
| Noninterest expense | 426,000 | 825,000 | 1,302,000 | 1,755,000 |
| Provision for loan losses | 20,000 | 50,000 | 60,000 | 115,000 |
| Pretax income | 202,000 | 485,000 | 749,000 | 967,000 |
| Income tax | 7,000 | 26,000 | 39,000 | 52,000 |
| Net income | 195,000 | 459,000 | 710,000 | 915,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,263,000 | 6,107,000 | 6,258,000 | 6,463,000 |
| Total capital | 6,973,000 | 6,826,000 | 6,979,000 | 7,200,000 |
| Risk-weighted assets | 57,255,000 | 57,514,000 | 57,642,000 | 58,924,000 |