Call reports 2003
KERNDT BROTHERS SAVINGS BANK — 2003
What KERNDT BROTHERS SAVINGS BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 82,196,000 | 85,608,000 | 133,437,000 | 137,150,000 |
| Total loans | 55,711,000 | 54,652,000 | 89,456,000 | 100,085,000 |
| Allowance for loan losses | 753,000 | 751,000 | 1,217,000 | 1,259,000 |
| Securities available for sale | 16,207,000 | 17,872,000 | 24,091,000 | 23,193,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 64,192,000 | 65,194,000 | 102,359,000 | 106,777,000 |
| Interest-bearing deposits | 58,793,000 | 59,128,000 | 91,924,000 | 94,379,000 |
| Noninterest-bearing deposits | 5,399,000 | 6,066,000 | 10,435,000 | 12,398,000 |
| Equity capital | 6,792,000 | 6,797,000 | 11,837,000 | 11,805,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,180,000 | 2,326,000 | 5,533,000 | 7,362,000 |
| Interest expense | 568,000 | 1,142,000 | 2,596,000 | 3,354,000 |
| Net interest income | 612,000 | 1,184,000 | 2,937,000 | 4,008,000 |
| Noninterest income | 98,000 | 219,000 | 556,000 | 767,000 |
| Noninterest expense | 558,000 | 950,000 | 2,446,000 | 3,566,000 |
| Provision for loan losses | 90,000 | 90,000 | 120,000 | 120,000 |
| Pretax income | 62,000 | 363,000 | 927,000 | 1,089,000 |
| Income tax | 9,000 | 12,000 | 48,000 | 78,000 |
| Net income | 53,000 | 351,000 | 879,000 | 1,011,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,456,000 | 6,378,000 | 11,284,000 | 11,519,000 |
| Total capital | 7,186,000 | 7,118,000 | 12,501,000 | 12,778,000 |
| Risk-weighted assets | 58,346,000 | 59,188,000 | 98,753,000 | 108,083,000 |