Call reports 2021
KERNDT BROTHERS SAVINGS BANK — 2021
What KERNDT BROTHERS SAVINGS BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 334,815,000 | 332,522,000 | 336,817,000 | 332,019,000 |
| Total loans | 201,286,000 | 193,081,000 | 190,460,000 | 205,094,000 |
| Allowance for loan losses | 2,802,000 | 2,860,000 | 2,919,000 | 2,934,000 |
| Securities available for sale | 84,072,000 | 94,963,000 | 97,796,000 | 103,529,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 284,620,000 | 282,412,000 | 290,201,000 | 286,110,000 |
| Interest-bearing deposits | 229,017,000 | 224,906,000 | 228,666,000 | 226,188,000 |
| Noninterest-bearing deposits | 55,603,000 | 57,506,000 | 61,535,000 | 59,922,000 |
| Equity capital | 36,487,000 | 36,919,000 | 36,260,000 | 35,356,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 3,056,000 | 5,922,000 | 8,424,000 | 10,938,000 |
| Interest expense | 341,000 | 647,000 | 935,000 | 1,214,000 |
| Net interest income | 2,715,000 | 5,275,000 | 7,489,000 | 9,724,000 |
| Noninterest income | 350,000 | 952,000 | 1,303,000 | 1,656,000 |
| Noninterest expense | 2,194,000 | 4,735,000 | 7,001,000 | 9,742,000 |
| Provision for loan losses | 50,000 | 100,000 | 150,000 | 200,000 |
| Pretax income | 873,000 | 1,449,000 | 1,705,000 | 1,656,000 |
| Income tax | 45,000 | 72,000 | 86,000 | 93,000 |
| Net income | 828,000 | 1,377,000 | 1,619,000 | 1,563,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,384,000 | 31,532,000 | 31,401,000 | 31,245,000 |
| Total capital | 34,186,000 | 34,392,000 | 34,320,000 | 34,179,000 |
| Risk-weighted assets | 233,610,000 | 222,294,000 | 224,123,000 | 238,150,000 |