Call reports 2011
KERNDT BROTHERS SAVINGS BANK — 2011
What KERNDT BROTHERS SAVINGS BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 220,380,000 | 220,159,000 | 227,264,000 | 226,483,000 |
| Total loans | 136,946,000 | 135,746,000 | 133,613,000 | 142,460,000 |
| Allowance for loan losses | 1,872,000 | 1,753,000 | 1,761,000 | 1,461,000 |
| Securities available for sale | 46,745,000 | 51,522,000 | 57,869,000 | 56,352,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 168,900,000 | 167,743,000 | 174,519,000 | 176,364,000 |
| Interest-bearing deposits | 149,994,000 | 149,373,000 | 153,449,000 | 152,573,000 |
| Noninterest-bearing deposits | 18,906,000 | 18,370,000 | 21,070,000 | 23,791,000 |
| Equity capital | 27,464,000 | 28,442,000 | 28,933,000 | 27,793,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 2,499,000 | 5,042,000 | 7,536,000 | 9,881,000 |
| Interest expense | 747,000 | 1,446,000 | 2,130,000 | 2,788,000 |
| Net interest income | 1,752,000 | 3,596,000 | 5,406,000 | 7,093,000 |
| Noninterest income | 175,000 | 402,000 | 719,000 | 1,038,000 |
| Noninterest expense | 1,242,000 | 2,449,000 | 3,761,000 | 5,029,000 |
| Provision for loan losses | 50,000 | 50,000 | 50,000 | 300,000 |
| Pretax income | 631,000 | 1,495,000 | 2,310,000 | 2,637,000 |
| Income tax | -54,000 | -11,000 | 29,000 | 57,000 |
| Net income | 685,000 | 1,506,000 | 2,281,000 | 2,580,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,602,000 | 25,072,000 | 25,222,000 | 24,171,000 |
| Total capital | 26,474,000 | 26,825,000 | 26,983,000 | 25,632,000 |
| Risk-weighted assets | 161,001,000 | 161,310,000 | 159,503,000 | 166,216,000 |