Call reports 2007
NATIONAL UNION BANK OF KINDERHOOK, THE — 2007
What NATIONAL UNION BANK OF KINDERHOOK, THE reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 176,036,000 | 179,712,000 | 184,576,000 | 187,610,000 |
| Total loans | 103,150,000 | 106,981,000 | 112,258,000 | 117,613,000 |
| Allowance for loan losses | 971,000 | 1,002,000 | 1,049,000 | 1,084,000 |
| Securities available for sale | 42,181,000 | 43,235,000 | 48,672,000 | 44,389,000 |
| Securities held to maturity | 1,270,000 | 1,437,000 | 1,936,000 | 2,142,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 160,914,000 | 164,498,000 | 168,659,000 | 170,898,000 |
| Interest-bearing deposits | 143,592,000 | 144,974,000 | 148,017,000 | 148,158,000 |
| Noninterest-bearing deposits | 17,322,000 | 19,524,000 | 20,642,000 | 22,740,000 |
| Equity capital | 14,282,000 | 14,207,000 | 14,706,000 | 15,151,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 2,324,000 | 4,752,000 | 7,287,000 | 9,861,000 |
| Interest expense | 873,000 | 1,822,000 | 2,828,000 | 3,803,000 |
| Net interest income | 1,451,000 | 2,930,000 | 4,459,000 | 6,058,000 |
| Noninterest income | 232,000 | 490,000 | 785,000 | 1,089,000 |
| Noninterest expense | 1,293,000 | 2,482,000 | 3,865,000 | 5,278,000 |
| Provision for loan losses | 10,000 | 35,000 | 45,000 | 33,000 |
| Pretax income | 380,000 | 903,000 | 1,334,000 | 1,836,000 |
| Income tax | 89,000 | 220,000 | 314,000 | 416,000 |
| Net income | 291,000 | 683,000 | 1,020,000 | 1,420,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,527,000 | 14,730,000 | 14,878,000 | 15,098,000 |
| Total capital | 15,629,000 | 15,882,000 | 16,072,000 | 16,322,000 |
| Risk-weighted assets | 106,369,000 | 109,147,000 | 114,464,000 | 118,713,000 |