Call reports 2007
KERNDT BROTHERS SAVINGS BANK — 2007
What KERNDT BROTHERS SAVINGS BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 180,141,000 | 180,515,000 | 191,105,000 | 195,595,000 |
| Total loans | 151,674,000 | 152,583,000 | 155,967,000 | 158,488,000 |
| Allowance for loan losses | 2,074,000 | 2,171,000 | 2,195,000 | 2,287,000 |
| Securities available for sale | 18,167,000 | 18,368,000 | 20,024,000 | 22,758,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 148,903,000 | 148,774,000 | 158,772,000 | 161,099,000 |
| Interest-bearing deposits | 135,227,000 | 135,200,000 | 144,809,000 | 143,174,000 |
| Noninterest-bearing deposits | 13,676,000 | 13,574,000 | 13,963,000 | 17,925,000 |
| Equity capital | 14,770,000 | 15,107,000 | 15,694,000 | 15,876,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 2,899,000 | 5,881,000 | 9,011,000 | 12,201,000 |
| Interest expense | 1,526,000 | 3,115,000 | 4,824,000 | 6,545,000 |
| Net interest income | 1,373,000 | 2,766,000 | 4,187,000 | 5,656,000 |
| Noninterest income | 244,000 | 514,000 | 852,000 | 1,112,000 |
| Noninterest expense | 830,000 | 1,770,000 | 2,622,000 | 3,612,000 |
| Provision for loan losses | 0 | 100,000 | 150,000 | 300,000 |
| Pretax income | 787,000 | 1,410,000 | 2,267,000 | 2,856,000 |
| Income tax | 36,000 | 72,000 | 117,000 | 48,000 |
| Net income | 751,000 | 1,338,000 | 2,150,000 | 2,808,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,810,000 | 15,272,000 | 15,734,000 | 15,817,000 |
| Total capital | 16,786,000 | 17,268,000 | 17,808,000 | 17,947,000 |
| Risk-weighted assets | 157,993,000 | 159,527,000 | 165,799,000 | 170,229,000 |