Call reports 2004
NATIONAL UNION BANK OF KINDERHOOK, THE — 2004
What NATIONAL UNION BANK OF KINDERHOOK, THE reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 135,284,000 | 127,941,000 | 142,110,000 | 139,357,000 |
| Total loans | 60,651,000 | 59,931,000 | 60,173,000 | 62,954,000 |
| Allowance for loan losses | 792,000 | 752,000 | 809,000 | 737,000 |
| Securities available for sale | 55,038,000 | 55,106,000 | 55,645,000 | 65,066,000 |
| Securities held to maturity | 1,558,000 | 1,743,000 | 1,628,000 | 755,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 118,885,000 | 110,966,000 | 122,520,000 | 114,828,000 |
| Interest-bearing deposits | 108,053,000 | 98,144,000 | 103,647,000 | 99,512,000 |
| Noninterest-bearing deposits | 10,832,000 | 12,822,000 | 18,873,000 | 15,316,000 |
| Equity capital | 9,930,000 | 10,683,000 | 13,159,000 | 13,147,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,485,000 | 2,973,000 | 4,455,000 | 6,010,000 |
| Interest expense | 402,000 | 753,000 | 1,110,000 | 1,471,000 |
| Net interest income | 1,083,000 | 2,220,000 | 3,345,000 | 4,539,000 |
| Noninterest income | 149,000 | 324,000 | 515,000 | 692,000 |
| Noninterest expense | 906,000 | 1,914,000 | 2,885,000 | 4,009,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 11,000 |
| Pretax income | 296,000 | 570,000 | 885,000 | 1,221,000 |
| Income tax | 77,000 | 106,000 | 174,000 | 256,000 |
| Net income | 219,000 | 464,000 | 711,000 | 964,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,165,000 | 10,810,000 | 12,757,000 | 12,954,000 |
| Total capital | 9,987,000 | 11,606,000 | 13,594,000 | 13,747,000 |
| Risk-weighted assets | 65,701,000 | 64,255,000 | 66,922,000 | 67,687,000 |