Call reports 2018
KERNDT BROTHERS SAVINGS BANK — 2018
What KERNDT BROTHERS SAVINGS BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 279,286,000 | 282,094,000 | 281,892,000 | 282,968,000 |
| Total loans | 202,898,000 | 195,041,000 | 190,206,000 | 200,074,000 |
| Allowance for loan losses | 2,083,000 | 2,176,000 | 2,204,000 | 2,229,000 |
| Securities available for sale | 43,091,000 | 54,131,000 | 56,060,000 | 55,198,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 218,036,000 | 222,314,000 | 223,932,000 | 222,887,000 |
| Interest-bearing deposits | 186,369,000 | 187,307,000 | 190,432,000 | 185,254,000 |
| Noninterest-bearing deposits | 31,667,000 | 35,007,000 | 33,500,000 | 37,633,000 |
| Equity capital | 30,630,000 | 30,713,000 | 30,560,000 | 31,532,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 2,757,000 | 5,594,000 | 8,468,000 | 11,442,000 |
| Interest expense | 461,000 | 990,000 | 1,546,000 | 2,110,000 |
| Net interest income | 2,296,000 | 4,604,000 | 6,922,000 | 9,332,000 |
| Noninterest income | 295,000 | 545,000 | 852,000 | 1,210,000 |
| Noninterest expense | 1,819,000 | 3,768,000 | 5,834,000 | 7,779,000 |
| Provision for loan losses | 0 | 50,000 | 75,000 | 100,000 |
| Pretax income | 772,000 | 1,331,000 | 1,865,000 | 2,663,000 |
| Income tax | -53,000 | -35,000 | 0 | 46,000 |
| Net income | 825,000 | 1,366,000 | 1,865,000 | 2,617,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,839,000 | 28,120,000 | 27,952,000 | 28,359,000 |
| Total capital | 29,922,000 | 30,296,000 | 30,156,000 | 30,588,000 |
| Risk-weighted assets | 240,265,000 | 235,336,000 | 218,475,000 | 226,917,000 |