Call reports 2013
KERNDT BROTHERS SAVINGS BANK — 2013
What KERNDT BROTHERS SAVINGS BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 258,995,000 | 256,338,000 | 252,318,000 | 246,882,000 |
| Total loans | 157,012,000 | 151,679,000 | 157,121,000 | 163,913,000 |
| Allowance for loan losses | 1,866,000 | 1,972,000 | 1,972,000 | 1,866,000 |
| Securities available for sale | 59,480,000 | 57,826,000 | 58,623,000 | 57,678,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 197,893,000 | 194,618,000 | 193,878,000 | 189,175,000 |
| Interest-bearing deposits | 173,388,000 | 170,082,000 | 168,797,000 | 158,968,000 |
| Noninterest-bearing deposits | 24,505,000 | 24,536,000 | 25,081,000 | 30,207,000 |
| Equity capital | 28,892,000 | 28,077,000 | 28,368,000 | 28,397,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 2,326,000 | 4,575,000 | 6,847,000 | 9,095,000 |
| Interest expense | 566,000 | 1,106,000 | 1,611,000 | 2,069,000 |
| Net interest income | 1,760,000 | 3,469,000 | 5,236,000 | 7,026,000 |
| Noninterest income | 187,000 | 390,000 | 758,000 | 1,000,000 |
| Noninterest expense | 1,318,000 | 2,455,000 | 3,691,000 | 4,940,000 |
| Provision for loan losses | 0 | 100,000 | 100,000 | 100,000 |
| Pretax income | 629,000 | 1,318,000 | 2,217,000 | 3,000,000 |
| Income tax | 51,000 | 95,000 | 136,000 | 176,000 |
| Net income | 578,000 | 1,223,000 | 2,081,000 | 2,824,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,029,000 | 25,230,000 | 25,617,000 | 26,010,000 |
| Total capital | 26,895,000 | 27,202,000 | 27,590,000 | 27,876,000 |
| Risk-weighted assets | 182,850,000 | 179,619,000 | 183,828,000 | 187,931,000 |