Call reports 2020
KERNDT BROTHERS SAVINGS BANK — 2020
What KERNDT BROTHERS SAVINGS BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 298,526,000 | 312,273,000 | 316,191,000 | 326,073,000 |
| Total loans | 200,180,000 | 200,710,000 | 203,785,000 | 200,989,000 |
| Allowance for loan losses | 2,436,000 | 2,384,000 | 2,518,000 | 2,747,000 |
| Securities available for sale | 62,438,000 | 65,541,000 | 69,747,000 | 82,479,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 239,342,000 | 253,388,000 | 259,678,000 | 271,609,000 |
| Interest-bearing deposits | 199,804,000 | 206,947,000 | 213,814,000 | 217,471,000 |
| Noninterest-bearing deposits | 39,538,000 | 46,441,000 | 45,864,000 | 54,138,000 |
| Equity capital | 35,508,000 | 36,856,000 | 37,025,000 | 37,024,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 3,072,000 | 6,239,000 | 9,051,000 | 11,788,000 |
| Interest expense | 638,000 | 1,194,000 | 1,697,000 | 2,124,000 |
| Net interest income | 2,434,000 | 5,045,000 | 7,354,000 | 9,664,000 |
| Noninterest income | 382,000 | 686,000 | 1,088,000 | 1,435,000 |
| Noninterest expense | 2,053,000 | 3,955,000 | 6,024,000 | 8,136,000 |
| Provision for loan losses | 208,000 | 338,000 | 488,000 | 713,000 |
| Pretax income | 800,000 | 1,683,000 | 2,175,000 | 2,556,000 |
| Income tax | 40,000 | 84,000 | 109,000 | 104,000 |
| Net income | 760,000 | 1,599,000 | 2,066,000 | 2,452,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,215,000 | 30,719,000 | 30,876,000 | 30,854,000 |
| Total capital | — | — | — | 33,602,000 |
| Risk-weighted assets | — | — | — | 230,959,000 |