Call reports 2006
KERNDT BROTHERS SAVINGS BANK — 2006
What KERNDT BROTHERS SAVINGS BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 162,871,000 | 164,763,000 | 170,993,000 | 174,529,000 |
| Total loans | 134,848,000 | 136,569,000 | 142,636,000 | 146,119,000 |
| Allowance for loan losses | 1,747,000 | 1,801,000 | 1,961,000 | 2,078,000 |
| Securities available for sale | 18,357,000 | 17,290,000 | 17,687,000 | 18,364,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 135,334,000 | 134,958,000 | 144,027,000 | 147,592,000 |
| Interest-bearing deposits | 123,053,000 | 122,930,000 | 130,760,000 | 131,815,000 |
| Noninterest-bearing deposits | 12,281,000 | 12,028,000 | 13,267,000 | 15,777,000 |
| Equity capital | 13,674,000 | 13,427,000 | 13,941,000 | 14,373,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 2,365,000 | 4,897,000 | 7,591,000 | 10,408,000 |
| Interest expense | 1,099,000 | 2,331,000 | 3,697,000 | 5,131,000 |
| Net interest income | 1,266,000 | 2,566,000 | 3,894,000 | 5,277,000 |
| Noninterest income | 189,000 | 428,000 | 688,000 | 962,000 |
| Noninterest expense | 989,000 | 1,781,000 | 2,673,000 | 3,581,000 |
| Provision for loan losses | 0 | 50,000 | 225,000 | 375,000 |
| Pretax income | 466,000 | 1,163,000 | 1,684,000 | 2,283,000 |
| Income tax | 24,000 | 62,000 | 96,000 | 135,000 |
| Net income | 442,000 | 1,101,000 | 1,588,000 | 2,148,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,803,000 | 13,662,000 | 13,999,000 | 14,409,000 |
| Total capital | 15,550,000 | 15,437,000 | 15,857,000 | 16,319,000 |
| Risk-weighted assets | 140,061,000 | 141,981,000 | 148,527,000 | 152,639,000 |