Call reports 2022
KERNDT BROTHERS SAVINGS BANK — 2022
What KERNDT BROTHERS SAVINGS BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 343,938,000 | 343,802,000 | 344,786,000 | 346,622,000 |
| Total loans | 225,615,000 | 228,144,000 | 235,529,000 | 240,402,000 |
| Allowance for loan losses | 2,971,000 | 3,010,000 | 3,013,000 | 3,016,000 |
| Securities available for sale | 93,858,000 | 88,101,000 | 82,679,000 | 81,334,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 300,260,000 | 304,170,000 | 307,334,000 | 307,718,000 |
| Interest-bearing deposits | 239,626,000 | 246,812,000 | 252,231,000 | 248,290,000 |
| Noninterest-bearing deposits | 60,634,000 | 57,358,000 | 55,103,000 | 59,428,000 |
| Equity capital | 30,222,000 | 27,717,000 | 25,141,000 | 27,091,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 2,634,000 | 5,480,000 | 8,433,000 | 11,648,000 |
| Interest expense | 260,000 | 623,000 | 1,185,000 | 2,012,000 |
| Net interest income | 2,374,000 | 4,857,000 | 7,248,000 | 9,636,000 |
| Noninterest income | 352,000 | 692,000 | 1,045,000 | 1,405,000 |
| Noninterest expense | 2,194,000 | 4,406,000 | 6,517,000 | 8,533,000 |
| Provision for loan losses | 33,000 | 33,000 | 33,000 | 33,000 |
| Pretax income | 499,000 | 1,110,000 | 1,751,000 | 2,477,000 |
| Income tax | 26,000 | 54,000 | 87,000 | 86,000 |
| Net income | 473,000 | 1,056,000 | 1,664,000 | 2,391,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,420,000 | 31,678,000 | 32,032,000 | 32,568,000 |
| Total capital | 34,391,000 | — | — | — |
| Risk-weighted assets | 260,745,000 | — | — | — |