Call reports 2012
KERNDT BROTHERS SAVINGS BANK — 2012
What KERNDT BROTHERS SAVINGS BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 236,548,000 | 240,070,000 | 239,050,000 | 246,144,000 |
| Total loans | 150,880,000 | 144,884,000 | 144,293,000 | 158,467,000 |
| Allowance for loan losses | 1,616,000 | 1,798,000 | 1,821,000 | 1,861,000 |
| Securities available for sale | 55,191,000 | 52,805,000 | 61,250,000 | 62,445,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 185,518,000 | 188,405,000 | 187,623,000 | 193,239,000 |
| Interest-bearing deposits | 160,518,000 | 164,236,000 | 163,465,000 | 164,408,000 |
| Noninterest-bearing deposits | 25,000,000 | 24,169,000 | 24,158,000 | 28,831,000 |
| Equity capital | 28,082,000 | 28,430,000 | 28,922,000 | 28,928,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 2,459,000 | 4,827,000 | 7,138,000 | 9,693,000 |
| Interest expense | 625,000 | 1,246,000 | 1,858,000 | 2,457,000 |
| Net interest income | 1,834,000 | 3,581,000 | 5,280,000 | 7,236,000 |
| Noninterest income | 201,000 | 526,000 | 843,000 | 1,211,000 |
| Noninterest expense | 1,249,000 | 2,361,000 | 3,647,000 | 4,698,000 |
| Provision for loan losses | 100,000 | 166,000 | 200,000 | 300,000 |
| Pretax income | 686,000 | 1,580,000 | 2,276,000 | 3,403,000 |
| Income tax | 8,000 | 48,000 | 79,000 | 133,000 |
| Net income | 678,000 | 1,532,000 | 2,197,000 | 3,270,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,181,000 | 24,605,000 | 24,835,000 | 25,048,000 |
| Total capital | 25,797,000 | 26,403,000 | 26,656,000 | 26,909,000 |
| Risk-weighted assets | 193,865,000 | 174,652,000 | 173,049,000 | 181,161,000 |