Call reports 2019
KERNDT BROTHERS SAVINGS BANK — 2019
What KERNDT BROTHERS SAVINGS BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 280,801,000 | 279,272,000 | 287,380,000 | 290,000,000 |
| Total loans | 200,829,000 | 199,992,000 | 196,623,000 | 198,455,000 |
| Allowance for loan losses | 2,232,000 | 2,247,000 | 2,256,000 | 2,222,000 |
| Securities available for sale | 52,784,000 | 52,178,000 | 53,930,000 | 63,121,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 221,220,000 | 220,605,000 | 230,554,000 | 231,766,000 |
| Interest-bearing deposits | 186,390,000 | 183,589,000 | 193,081,000 | 192,381,000 |
| Noninterest-bearing deposits | 34,830,000 | 37,016,000 | 37,473,000 | 39,385,000 |
| Equity capital | 32,733,000 | 33,871,000 | 34,427,000 | 34,460,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 2,990,000 | 6,094,000 | 9,124,000 | 12,108,000 |
| Interest expense | 601,000 | 1,259,000 | 1,963,000 | 2,676,000 |
| Net interest income | 2,389,000 | 4,835,000 | 7,161,000 | 9,432,000 |
| Noninterest income | 359,000 | 672,000 | 990,000 | 1,398,000 |
| Noninterest expense | 1,956,000 | 3,855,000 | 5,772,000 | 7,798,000 |
| Provision for loan losses | 25,000 | 50,000 | 75,000 | 200,000 |
| Pretax income | 675,000 | 1,510,000 | 2,214,000 | 2,840,000 |
| Income tax | 27,000 | 71,000 | 111,000 | 150,000 |
| Net income | 648,000 | 1,439,000 | 2,103,000 | 2,690,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,694,000 | 29,221,000 | 29,561,000 | 29,774,000 |
| Total capital | 30,926,000 | 31,468,000 | 31,817,000 | 31,996,000 |
| Risk-weighted assets | 227,215,000 | 225,272,000 | 218,305,000 | 222,069,000 |