Call reports 2005
NATIONAL UNION BANK OF KINDERHOOK, THE — 2005
What NATIONAL UNION BANK OF KINDERHOOK, THE reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 142,111,000 | 143,480,000 | 152,143,000 | 153,583,000 |
| Total loans | 63,867,000 | 66,566,000 | 71,672,000 | 86,371,000 |
| Allowance for loan losses | 723,000 | 739,000 | 778,000 | 948,000 |
| Securities available for sale | 60,172,000 | 59,642,000 | 60,229,000 | 54,120,000 |
| Securities held to maturity | 769,000 | 734,000 | 2,416,000 | 2,307,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 123,651,000 | 126,535,000 | 135,135,000 | 129,668,000 |
| Interest-bearing deposits | 111,132,000 | 111,833,000 | 114,049,000 | 110,213,000 |
| Noninterest-bearing deposits | 12,519,000 | 14,702,000 | 21,086,000 | 19,455,000 |
| Equity capital | 12,878,000 | 13,395,000 | 13,418,000 | 13,271,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,559,000 | 3,185,000 | 4,911,000 | 6,810,000 |
| Interest expense | 382,000 | 809,000 | 1,267,000 | 1,797,000 |
| Net interest income | 1,177,000 | 2,376,000 | 3,644,000 | 5,013,000 |
| Noninterest income | 167,000 | 350,000 | 550,000 | 729,000 |
| Noninterest expense | 986,000 | 2,082,000 | 3,203,000 | 4,361,000 |
| Provision for loan losses | 0 | 30,000 | 61,000 | 183,000 |
| Pretax income | 371,000 | 627,000 | 943,000 | 1,208,000 |
| Income tax | 95,000 | 142,000 | 204,000 | 244,000 |
| Net income | 276,000 | 485,000 | 739,000 | 964,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,173,000 | 13,312,000 | 13,496,000 | 13,648,000 |
| Total capital | 13,950,000 | 14,128,000 | 14,382,000 | 14,682,000 |
| Risk-weighted assets | 69,729,000 | 71,460,000 | 77,132,000 | 88,251,000 |