Call reports 2003
NATIONAL UNION BANK OF KINDERHOOK, THE — 2003
What NATIONAL UNION BANK OF KINDERHOOK, THE reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 129,523,000 | 131,239,000 | 137,102,000 | 135,875,000 |
| Total loans | 63,984,000 | 64,733,000 | 63,485,000 | 62,278,000 |
| Allowance for loan losses | 763,000 | 777,000 | 823,000 | 782,000 |
| Securities available for sale | 46,918,000 | 44,850,000 | 54,579,000 | 50,881,000 |
| Securities held to maturity | 3,566,000 | 4,835,000 | 1,845,000 | 1,646,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 112,395,000 | 114,476,000 | 120,762,000 | 119,778,000 |
| Interest-bearing deposits | 97,172,000 | 100,119,000 | 105,240,000 | 105,777,000 |
| Noninterest-bearing deposits | 15,223,000 | 14,357,000 | 15,522,000 | 14,001,000 |
| Equity capital | 8,930,000 | 9,143,000 | 8,896,000 | 9,507,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,666,000 | 3,229,000 | 4,742,000 | 6,327,000 |
| Interest expense | 528,000 | 1,027,000 | 1,505,000 | 1,928,000 |
| Net interest income | 1,138,000 | 2,202,000 | 3,237,000 | 4,399,000 |
| Noninterest income | 166,000 | 326,000 | 504,000 | 707,000 |
| Noninterest expense | 898,000 | 1,798,000 | 2,783,000 | 3,958,000 |
| Provision for loan losses | 30,000 | 60,000 | 258,000 | 278,000 |
| Pretax income | 376,000 | 670,000 | 728,000 | 898,000 |
| Income tax | 75,000 | 136,000 | 95,000 | -107,000 |
| Net income | 301,000 | 534,000 | 633,000 | 1,005,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,242,000 | 8,475,000 | 8,574,000 | 8,946,000 |
| Total capital | 9,005,000 | 9,252,000 | 9,397,000 | 9,776,000 |
| Risk-weighted assets | 67,065,000 | 67,962,000 | 68,848,000 | 68,742,000 |