Call reports 2010
KERNDT BROTHERS SAVINGS BANK — 2010
What KERNDT BROTHERS SAVINGS BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 223,767,000 | 215,461,000 | 214,818,000 | 220,221,000 |
| Total loans | 150,803,000 | 146,027,000 | 141,039,000 | 139,166,000 |
| Allowance for loan losses | 2,692,000 | 2,621,000 | 2,570,000 | 1,813,000 |
| Securities available for sale | 29,515,000 | 36,544,000 | 42,776,000 | 45,112,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 169,728,000 | 161,999,000 | 160,271,000 | 166,232,000 |
| Interest-bearing deposits | 152,627,000 | 145,560,000 | 143,026,000 | 146,538,000 |
| Noninterest-bearing deposits | 17,101,000 | 16,439,000 | 17,245,000 | 19,694,000 |
| Equity capital | 25,783,000 | 26,107,000 | 27,174,000 | 26,751,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 2,809,000 | 5,531,000 | 8,179,000 | 10,814,000 |
| Interest expense | 909,000 | 1,772,000 | 2,585,000 | 3,381,000 |
| Net interest income | 1,900,000 | 3,759,000 | 5,594,000 | 7,433,000 |
| Noninterest income | 151,000 | 39,000 | 220,000 | 24,000 |
| Noninterest expense | 1,267,000 | 2,437,000 | 3,680,000 | 4,853,000 |
| Provision for loan losses | 0 | 200,000 | 200,000 | 200,000 |
| Pretax income | 784,000 | 993,000 | 1,762,000 | 2,228,000 |
| Income tax | 56,000 | 98,000 | 123,000 | 159,000 |
| Net income | 728,000 | 895,000 | 1,639,000 | 2,069,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,206,000 | 23,373,000 | 23,867,000 | 24,136,000 |
| Total capital | 25,358,000 | 25,452,000 | 25,906,000 | 25,949,000 |
| Risk-weighted assets | 171,616,000 | 165,780,000 | 162,617,000 | 162,810,000 |