Call reports 2015
KERNDT BROTHERS SAVINGS BANK — 2015
What KERNDT BROTHERS SAVINGS BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 242,730,000 | 235,454,000 | 238,408,000 | 270,567,000 |
| Total loans | 154,729,000 | 154,829,000 | 163,877,000 | 188,672,000 |
| Allowance for loan losses | 1,733,000 | 1,814,000 | 1,905,000 | 1,970,000 |
| Securities available for sale | 52,156,000 | 52,644,000 | 48,946,000 | 49,078,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 190,087,000 | 184,844,000 | 185,239,000 | 218,087,000 |
| Interest-bearing deposits | 162,240,000 | 160,378,000 | 160,374,000 | 184,092,000 |
| Noninterest-bearing deposits | 27,847,000 | 24,466,000 | 24,865,000 | 33,995,000 |
| Equity capital | 29,991,000 | 29,417,000 | 29,903,000 | 29,563,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 2,106,000 | 4,246,000 | 6,434,000 | 8,724,000 |
| Interest expense | 351,000 | 684,000 | 1,015,000 | 1,373,000 |
| Net interest income | 1,755,000 | 3,562,000 | 5,419,000 | 7,351,000 |
| Noninterest income | 198,000 | 437,000 | 749,000 | 1,030,000 |
| Noninterest expense | 1,326,000 | 2,877,000 | 4,330,000 | 6,061,000 |
| Provision for loan losses | 0 | 0 | 50,000 | 100,000 |
| Pretax income | 689,000 | 1,184,000 | 1,963,000 | 2,395,000 |
| Income tax | 34,000 | 63,000 | 110,000 | 134,000 |
| Net income | 655,000 | 1,121,000 | 1,853,000 | 2,261,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,108,000 | 27,137,000 | 27,405,000 | 25,738,000 |
| Total capital | 28,841,000 | 28,951,000 | 29,310,000 | 27,708,000 |
| Risk-weighted assets | 197,291,000 | 195,056,000 | 202,686,000 | 229,618,000 |