Call reports 2017
KERNDT BROTHERS SAVINGS BANK — 2017
What KERNDT BROTHERS SAVINGS BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 275,238,000 | 276,887,000 | 277,980,000 | 279,216,000 |
| Total loans | 195,682,000 | 200,422,000 | 197,954,000 | 203,120,000 |
| Allowance for loan losses | 2,112,000 | 2,113,000 | 2,067,000 | 2,098,000 |
| Securities available for sale | 52,201,000 | 49,564,000 | 47,874,000 | 45,266,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 216,978,000 | 211,880,000 | 214,693,000 | 217,670,000 |
| Interest-bearing deposits | 181,983,000 | 176,793,000 | 180,620,000 | 179,606,000 |
| Noninterest-bearing deposits | 34,995,000 | 35,087,000 | 34,073,000 | 38,064,000 |
| Equity capital | 29,821,000 | 30,426,000 | 30,426,000 | 30,596,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 2,558,000 | 5,231,000 | 7,933,000 | 10,663,000 |
| Interest expense | 378,000 | 768,000 | 1,213,000 | 1,671,000 |
| Net interest income | 2,180,000 | 4,463,000 | 6,720,000 | 8,992,000 |
| Noninterest income | 241,000 | 483,000 | 838,000 | 1,118,000 |
| Noninterest expense | 1,740,000 | 3,649,000 | 5,474,000 | 7,421,000 |
| Provision for loan losses | 25,000 | 65,000 | 75,000 | 100,000 |
| Pretax income | 683,000 | 1,261,000 | 2,020,000 | 2,602,000 |
| Income tax | 31,000 | 69,000 | 104,000 | 136,000 |
| Net income | 652,000 | 1,192,000 | 1,916,000 | 2,466,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,600,000 | 26,888,000 | 26,847,000 | 27,347,000 |
| Total capital | 28,712,000 | 29,001,000 | 28,914,000 | 29,446,000 |
| Risk-weighted assets | 233,588,000 | 239,614,000 | 235,054,000 | 241,138,000 |