Call reports 2006
NATIONAL UNION BANK OF KINDERHOOK, THE — 2006
What NATIONAL UNION BANK OF KINDERHOOK, THE reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 162,538,000 | 161,867,000 | 165,481,000 | 165,080,000 |
| Total loans | 89,091,000 | 94,595,000 | 99,192,000 | 101,927,000 |
| Allowance for loan losses | 988,000 | 924,000 | 987,000 | 1,049,000 |
| Securities available for sale | 52,516,000 | 47,659,000 | 46,148,000 | 41,411,000 |
| Securities held to maturity | 2,237,000 | 1,362,000 | 1,324,000 | 1,324,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 144,407,000 | 146,653,000 | 150,638,000 | 149,688,000 |
| Interest-bearing deposits | 126,016,000 | 125,388,000 | 130,792,000 | 129,993,000 |
| Noninterest-bearing deposits | 18,391,000 | 21,265,000 | 19,846,000 | 19,695,000 |
| Equity capital | 13,432,000 | 13,465,000 | 14,010,000 | 14,252,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 2,004,000 | 4,099,000 | 6,284,000 | 8,515,000 |
| Interest expense | 593,000 | 1,283,000 | 2,029,000 | 2,844,000 |
| Net interest income | 1,411,000 | 2,816,000 | 4,255,000 | 5,671,000 |
| Noninterest income | 171,000 | 409,000 | 617,000 | 886,000 |
| Noninterest expense | 1,180,000 | 2,297,000 | 3,477,000 | 4,741,000 |
| Provision for loan losses | 15,000 | 40,000 | 87,000 | 68,000 |
| Pretax income | 387,000 | 888,000 | 1,308,000 | 1,724,000 |
| Income tax | 87,000 | 205,000 | 301,000 | 391,000 |
| Net income | 300,000 | 683,000 | 1,007,000 | 1,333,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,871,000 | 14,152,000 | 14,288,000 | 14,424,000 |
| Total capital | 14,969,000 | 15,181,000 | 15,381,000 | 15,581,000 |
| Risk-weighted assets | 94,912,000 | 98,485,000 | 102,260,000 | 103,571,000 |