Call reports 2025
KERNDT BROTHERS SAVINGS BANK — 2025
What KERNDT BROTHERS SAVINGS BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 337,489,000 | 332,481,000 | 335,711,000 | 335,274,000 |
| Total loans | 234,170,000 | 227,559,000 | 226,517,000 | 227,528,000 |
| Allowance for loan losses | 2,051,000 | 2,199,000 | 2,289,000 | 2,588,000 |
| Securities available for sale | 65,816,000 | 65,713,000 | 70,613,000 | 73,643,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 271,148,000 | 268,696,000 | 274,733,000 | 273,436,000 |
| Interest-bearing deposits | 229,475,000 | 229,283,000 | 238,016,000 | 234,639,000 |
| Noninterest-bearing deposits | 41,673,000 | 39,413,000 | 36,717,000 | 38,797,000 |
| Equity capital | 33,059,000 | 33,822,000 | 34,789,000 | 35,780,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 4,288,000 | 8,463,000 | 12,431,000 | 16,465,000 |
| Interest expense | 1,786,000 | 3,499,000 | 5,160,000 | 6,746,000 |
| Net interest income | 2,502,000 | 4,964,000 | 7,271,000 | 9,719,000 |
| Noninterest income | 333,000 | 653,000 | 1,020,000 | 1,436,000 |
| Noninterest expense | 2,309,000 | 4,478,000 | 6,698,000 | 8,992,000 |
| Provision for loan losses | 400,000 | 550,000 | 640,000 | 700,000 |
| Pretax income | 125,000 | 586,000 | 941,000 | 1,456,000 |
| Income tax | 6,000 | 24,000 | 68,000 | 92,000 |
| Net income | 119,000 | 562,000 | 873,000 | 1,364,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,195,000 | 34,456,000 | 34,636,000 | 35,058,000 |