Call reports 2016
KERNDT BROTHERS SAVINGS BANK — 2016
What KERNDT BROTHERS SAVINGS BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 270,764,000 | 265,962,000 | 272,701,000 | 274,766,000 |
| Total loans | 192,079,000 | 188,325,000 | 189,052,000 | 188,533,000 |
| Allowance for loan losses | 2,052,000 | 2,053,000 | 2,081,000 | 2,078,000 |
| Securities available for sale | 50,642,000 | 47,143,000 | 52,650,000 | 55,097,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 218,033,000 | 212,807,000 | 212,721,000 | 220,529,000 |
| Interest-bearing deposits | 187,174,000 | 180,076,000 | 179,902,000 | 182,806,000 |
| Noninterest-bearing deposits | 30,859,000 | 32,731,000 | 32,819,000 | 37,723,000 |
| Equity capital | 30,051,000 | 30,360,000 | 30,475,000 | 29,375,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 2,523,000 | 5,031,000 | 7,582,000 | 10,133,000 |
| Interest expense | 382,000 | 761,000 | 1,135,000 | 1,513,000 |
| Net interest income | 2,141,000 | 4,270,000 | 6,447,000 | 8,620,000 |
| Noninterest income | 151,000 | 382,000 | 678,000 | 1,090,000 |
| Noninterest expense | 1,757,000 | 3,653,000 | 5,352,000 | 7,277,000 |
| Provision for loan losses | 67,000 | 67,000 | 67,000 | 67,000 |
| Pretax income | 468,000 | 941,000 | 1,739,000 | 2,399,000 |
| Income tax | -6,000 | 13,000 | 47,000 | 50,000 |
| Net income | 474,000 | 928,000 | 1,692,000 | 2,349,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,743,000 | 25,763,000 | 26,063,000 | 26,450,000 |
| Total capital | 27,795,000 | 27,816,000 | 28,144,000 | 28,528,000 |
| Risk-weighted assets | 232,403,000 | 229,297,000 | 227,198,000 | 228,046,000 |