Call reports 2004
KERNDT BROTHERS SAVINGS BANK — 2004
What KERNDT BROTHERS SAVINGS BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 139,291,000 | 143,437,000 | 148,066,000 | 155,934,000 |
| Total loans | 108,360,000 | 115,819,000 | 119,071,000 | 121,158,000 |
| Allowance for loan losses | 1,447,000 | 1,562,000 | 1,600,000 | 1,665,000 |
| Securities available for sale | 21,569,000 | 19,282,000 | 17,980,000 | 17,518,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 107,999,000 | 112,775,000 | 117,503,000 | 126,298,000 |
| Interest-bearing deposits | 96,101,000 | 100,767,000 | 105,898,000 | 109,705,000 |
| Noninterest-bearing deposits | 11,898,000 | 12,008,000 | 11,605,000 | 16,593,000 |
| Equity capital | 12,176,000 | 12,182,000 | 12,387,000 | 12,699,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,890,000 | 3,848,000 | 5,891,000 | 8,001,000 |
| Interest expense | 733,000 | 1,472,000 | 2,262,000 | 3,090,000 |
| Net interest income | 1,157,000 | 2,376,000 | 3,629,000 | 4,911,000 |
| Noninterest income | 204,000 | 391,000 | 619,000 | 856,000 |
| Noninterest expense | 806,000 | 1,630,000 | 2,462,000 | 3,343,000 |
| Provision for loan losses | 150,000 | 260,000 | 300,000 | 360,000 |
| Pretax income | 405,000 | 877,000 | 1,486,000 | 2,064,000 |
| Income tax | 27,000 | 54,000 | 87,000 | 121,000 |
| Net income | 378,000 | 823,000 | 1,399,000 | 1,943,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,808,000 | 12,162,000 | 12,169,000 | 12,562,000 |
| Total capital | 13,255,000 | 13,675,000 | 13,736,000 | 14,164,000 |
| Risk-weighted assets | 115,858,000 | 120,926,000 | 124,540,000 | 128,065,000 |