Call reports 2014
KERNDT BROTHERS SAVINGS BANK — 2014
What KERNDT BROTHERS SAVINGS BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 247,091,000 | 242,986,000 | 242,293,000 | 239,515,000 |
| Total loans | 159,426,000 | 153,931,000 | 154,415,000 | 157,267,000 |
| Allowance for loan losses | 1,915,000 | 1,920,000 | 1,925,000 | 1,941,000 |
| Securities available for sale | 55,880,000 | 52,341,000 | 50,133,000 | 52,476,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 190,166,000 | 186,474,000 | 188,430,000 | 186,942,000 |
| Interest-bearing deposits | 165,231,000 | 160,444,000 | 160,477,000 | 157,001,000 |
| Noninterest-bearing deposits | 24,935,000 | 26,030,000 | 27,953,000 | 29,941,000 |
| Equity capital | 28,803,000 | 29,350,000 | 29,478,000 | 29,733,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 2,234,000 | 4,422,000 | 6,581,000 | 8,749,000 |
| Interest expense | 424,000 | 846,000 | 1,243,000 | 1,622,000 |
| Net interest income | 1,810,000 | 3,576,000 | 5,338,000 | 7,127,000 |
| Noninterest income | 198,000 | 470,000 | 820,000 | 1,139,000 |
| Noninterest expense | 1,224,000 | 2,489,000 | 3,852,000 | 5,266,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 791,000 | 1,593,000 | 2,359,000 | 3,053,000 |
| Income tax | 27,000 | 62,000 | 96,000 | 135,000 |
| Net income | 764,000 | 1,531,000 | 2,263,000 | 2,918,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,337,000 | 26,667,000 | 26,935,000 | 27,051,000 |
| Total capital | 28,252,000 | 28,587,000 | 28,860,000 | 28,992,000 |
| Risk-weighted assets | 186,943,000 | 181,834,000 | 182,406,000 | 183,383,000 |