Call reports 2009
KERNDT BROTHERS SAVINGS BANK — 2009
What KERNDT BROTHERS SAVINGS BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 223,471,000 | 217,297,000 | 228,715,000 | 222,900,000 |
| Total loans | 164,901,000 | 157,791,000 | 154,870,000 | 159,968,000 |
| Allowance for loan losses | 2,849,000 | 2,834,000 | 2,699,000 | 2,681,000 |
| Securities available for sale | 25,193,000 | 24,290,000 | 25,188,000 | 30,035,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 176,502,000 | 170,460,000 | 173,894,000 | 168,563,000 |
| Interest-bearing deposits | 160,837,000 | 154,285,000 | 156,680,000 | 147,567,000 |
| Noninterest-bearing deposits | 15,665,000 | 16,175,000 | 17,214,000 | 20,996,000 |
| Equity capital | 23,885,000 | 22,911,000 | 24,379,000 | 25,103,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 2,987,000 | 5,961,000 | 8,841,000 | 11,722,000 |
| Interest expense | 1,309,000 | 2,547,000 | 3,708,000 | 4,723,000 |
| Net interest income | 1,678,000 | 3,414,000 | 5,133,000 | 6,999,000 |
| Noninterest income | 71,000 | -56,000 | 188,000 | 493,000 |
| Noninterest expense | 1,278,000 | 2,873,000 | 4,170,000 | 5,280,000 |
| Provision for loan losses | 700,000 | 2,550,000 | 2,550,000 | 2,550,000 |
| Pretax income | -229,000 | -2,065,000 | -1,399,000 | -338,000 |
| Income tax | 23,000 | 23,000 | 23,000 | 23,000 |
| Net income | -252,000 | -2,088,000 | -1,422,000 | -361,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,617,000 | 20,904,000 | 21,417,000 | 22,478,000 |
| Total capital | 23,941,000 | 23,131,000 | 23,634,000 | 24,738,000 |
| Risk-weighted assets | 185,393,000 | 177,529,000 | 177,069,000 | 180,371,000 |