Call reports 2005
KERNDT BROTHERS SAVINGS BANK — 2005
What KERNDT BROTHERS SAVINGS BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 155,728,000 | 154,473,000 | 156,569,000 | 157,166,000 |
| Total loans | 126,810,000 | 128,205,000 | 128,533,000 | 130,370,000 |
| Allowance for loan losses | 1,652,000 | 1,721,000 | 1,799,000 | 1,754,000 |
| Securities available for sale | 17,306,000 | 17,590,000 | 17,645,000 | 17,806,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 125,843,000 | 121,028,000 | 122,080,000 | 126,653,000 |
| Interest-bearing deposits | 111,849,000 | 107,457,000 | 108,927,000 | 110,511,000 |
| Noninterest-bearing deposits | 13,994,000 | 13,571,000 | 13,153,000 | 16,142,000 |
| Equity capital | 13,009,000 | 13,164,000 | 13,497,000 | 13,811,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 2,097,000 | 4,323,000 | 6,501,000 | 8,790,000 |
| Interest expense | 827,000 | 1,699,000 | 2,614,000 | 3,616,000 |
| Net interest income | 1,270,000 | 2,624,000 | 3,887,000 | 5,174,000 |
| Noninterest income | 189,000 | 442,000 | 642,000 | 885,000 |
| Noninterest expense | 880,000 | 1,662,000 | 2,480,000 | 3,369,000 |
| Provision for loan losses | 0 | 80,000 | 190,000 | 200,000 |
| Pretax income | 555,000 | 1,300,000 | 1,831,000 | 2,462,000 |
| Income tax | 31,000 | 66,000 | 99,000 | 137,000 |
| Net income | 524,000 | 1,234,000 | 1,732,000 | 2,325,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,986,000 | 13,066,000 | 13,464,000 | 13,877,000 |
| Total capital | 14,638,000 | 14,727,000 | 15,144,000 | 15,567,000 |
| Risk-weighted assets | 131,978,000 | 132,783,000 | 134,250,000 | 135,158,000 |