Call reports 2008
KERNDT BROTHERS SAVINGS BANK — 2008
What KERNDT BROTHERS SAVINGS BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 207,821,000 | 199,921,000 | 191,374,000 | 190,686,000 |
| Total loans | 164,478,000 | 159,143,000 | 156,940,000 | 151,122,000 |
| Allowance for loan losses | 2,482,000 | 2,397,000 | 1,946,000 | 1,694,000 |
| Securities available for sale | 21,387,000 | 20,370,000 | 21,726,000 | 22,145,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 169,663,000 | 160,712,000 | 153,168,000 | 149,414,000 |
| Interest-bearing deposits | 154,647,000 | 145,898,000 | 137,563,000 | 131,293,000 |
| Noninterest-bearing deposits | 15,016,000 | 14,814,000 | 15,605,000 | 18,121,000 |
| Equity capital | 16,249,000 | 15,997,000 | 16,085,000 | 17,279,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 3,124,000 | 6,234,000 | 9,150,000 | 11,972,000 |
| Interest expense | 1,686,000 | 3,201,000 | 4,572,000 | 5,795,000 |
| Net interest income | 1,438,000 | 3,033,000 | 4,578,000 | 6,177,000 |
| Noninterest income | 213,000 | 475,000 | 774,000 | 1,022,000 |
| Noninterest expense | 917,000 | 1,964,000 | 2,894,000 | 3,903,000 |
| Provision for loan losses | 200,000 | 370,000 | 600,000 | 1,000,000 |
| Pretax income | 534,000 | 1,174,000 | 1,858,000 | 2,296,000 |
| Income tax | 36,000 | 53,000 | 86,000 | 118,000 |
| Net income | 498,000 | 1,121,000 | 1,772,000 | 2,178,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,065,000 | 16,193,000 | 16,585,000 | 17,645,000 |
| Total capital | 18,268,000 | 18,326,000 | 18,531,000 | 19,339,000 |
| Risk-weighted assets | 175,837,000 | 170,369,000 | 168,937,000 | 171,962,000 |